Rufus' workarounds should be good for the rest of Win11, which if rumors hold will have one major update (24H2?) left before Win12 kicks in. Per the FAQ,
The Reliable USB Formatting Utility. Contribute to pbatard/rufus development by creating an account on GitHub.
github.com
"Okay, the first thing you need to understand about this option is that it is designed to make the Windows installer restore a feature that exists in Windows 11 21H2 and that Microsoft removed in 22H2."
With or without Rufus, workaround is trivial. You can always create an MS acct for install, and switch same acct to local login afterward. HW req bypass is the more substantive issue, but I'm fairly confident Win12 will allow some loophole for enthusiasts to exploit.
Win11 23H2 is basically MS' first foray at deploying AI viz Copilot into its consumer platforms. Monetization should be minimal, as MS is still exploring what works. AI features will be more pervasive in Win12, and that will be when commercialization will happen.
For example, Copilot will likely be more functional as a personal assistant in Win12, but your use of it may be more limited--perhaps denied altogether--unless logged into an MS acct. Functionality may be further tiered with a subscription, which is already happening for business accts ($30/seat for AI in Win 365 Copilot).
Secondly, AI queries (prompts) cost money, and MS will want to mitigate cost by localizing queries when it can, which means CPUs w/ NPU will come into play. IMO that will be a HW requirement going forward. If Win12 is pushed into '25, NPU will likely be a prerequisite. If Win12 pops out in '24, then NPU req will probably be pushed to Win14 (there'll be no Win13, just as there was no Win9).