This response has been re-edited:
I'm using Rufus to clean-install Win11 on all my laptops, which as said will allow disabling the default encryption (among other things like HW requirements and MS acct), so this never comes into play.
This piece goes into considerable technical detail, but IMO it misses the point from the reader's perspective. It's abundantly clear that software-based encryption will substantially sap performance, without all the benchmarking. It's also abundantly clear that for typical home users, said encryption is a Bad Deal(tm), as the perf loss grossly outweighs the risk. That takes two sentences to say.
For the home or small biz user, using drive encryption is almost always inadvisable, whether SW or HW-based. Drive encryption primarily protects the device from physical theft, which is the least likely threat that home users face. It definitely doesn't protect against the more prevalent threats like phishing or ransomware. Coupled with the ~40% perf loss (for SW enc), or the convoluted method above for HW enc, drive encryption should be ignored entirely. Of course, larger enterprises would face different threats, but they have IT people to handle these matters.
Note to Jarred: Windows To Go only exists in Enterprise and Education versions of Windows. It's very much an "unofficial" solution for DIYers. If we were talking about "unofficial" methods, I'm sure there are easier ways to enable HW encryption by default by editing an existing ISO.
From the reader's view, he would want to know three things: 1) what is the simplest way to avoid the default encryption; 2) if encryption is already installed, what is the simplest way to remove it; and 3) what are SSDs with HW-based encryption, if the user decides to opt for that feature (for whatever reason).
#1: the simplest answer is to use Rufus, to clean install Win11 Pro (Home isn't relevant for this discussion). It doesn't involve technical know-how, and is a simple checkmark during the Rufus imaging-to-USB process.
#2: As said in the piece, disable drive encryption with "manage-bde off [drive:]" in an elevated command prompt (Terminal Admin in Win11 parlance).
The last question #3 (which SSDs have HW-based encryption) is never answered.