I’ve been using my selfhosted mailserver on a cheap VPS for a few years with no issues. It took about a week to get DMARC/DKIM/SPF setup right, and then a few back and forth email threads to my email addresses hosted on gmail, yahoo, and M365 allowed me to gain trustworthy status with them.
mind you, I’m the only user of my mailserver, so I’m not worried about other users spamming and getting me on a list.
Microsoft doesn’t care about you upgrading your personal computer. they care about business licenses. Enterprise pays the bills, and enterprise computers have all had TPM for ages. I don’t see any reason for them to make a change. consumers buying a new os for an existing computer is a drop in the bucket