

I actually like the Microsoft Authenticator, as it dramatically improves security for Microsoft Accounts. Not only does it plump up 2FA TOTP from 6 digits to 8, but it can also implement challenge-response codes as a second layer of protection.
What I do not agree with is putting your computing eggs all in one basket. I have never used a Microsoft Account to secure Windows, and I never will. Complete data loss via loss of control of the Microsoft Account is just too high of a persistent threat. And that risk rises by an order of magnitude the less technically inclined a user is. For someone who has almost no computing experience, it is an unconscionably risky system to use.
For safety, backups are much better than encryption.
The only thing encryption does is prevent others from reading your data if the machine gets physically lost or stolen. And ironically, that might prevent a stolen machine from ever making it back into your hands.
For desktops, encryption of a machine that doesn’t have critically private/sensitive content is even dumber. I mean, if you have terabytes of CP or are a terrorist, then sure, lock that down to make the police earn their wages. Or do it even if you don’t, but you just want to give authorities the middle finger.
But not much on the average computer needs encryption so long as you keep good physical and network security. And the problem with that is much of it is behavioural - they will need to learn how to not do dangerous things online and off.
In order to protect data is a good backup system - something that just works, is dummy proof, can be administered remotely, and which can restore content easily and reliably.
On a Mac, nothing beats iCloud. It’s encrypted before it even gets uploaded, and Apple has repeatedly shown it cannot retrieve the content… it needs to be forcibly cracked.
On the PC (both Windows and Linux) I prefer Duplicati backing up to BackBlaze B2.