TL;DR:
The Windows File Explorer is now dependent on Microsoft Recall being installed on Windows 11 24H2 editions and likely later.
This means that if you wish to use newer versions of the Window file explorer, you have to install recall on your system. Recall is a deeply-rooted, non-negotiable feature on all modern versions of Windows.
Solution
If you wish to strip out recall from your system, you are no longer able to use the built-in graphical file explorer and must use a third-party tool, and if you're not allowed to do that on the machine, then you are forced to have recall running on the system as it doesn't appear on any graphical settings pages.
The other solution is to prepare for transitioning into a free operating system such as GNU/Linux with distributions such as Linux Mint which is designed specifically for that transition. You can also run an older version of Windows and refuse to update.
Errata
Turns out that this issue has been exaggerated and that there are ways to disable co-pilot on Windows machines (or at the very least, command Windows to do so). Also it's debatable whether this program does any harm on non "copilot" computers but you can be the judge of that.
Recall requires a computer that is compatible with Microsoft's Copilot chatbot:
Only a small portion of the most recent laptops are "Copilot+ PCs".
This means that for everyone else, this information is irrelevant. It will mostly impact business employess and higher-income dupes. Also...
"Total Recall"
deleted by creator
True, when Microsoft tells its customers that their computers can't upgrade to Windows 11 because of "hardware requirements" they were obviously not lying through their teeth, totally not because the margins are higher when people buy new computers (and the bloody yankee mining supply chain can continue at full speed).
It's not like x86_64 laptops keep advertising AI capabilities through their new NPU units and thus can do the same thing as ARM snapdragon chips.
The software is proprietary, what they tell you is what they want and are willing to tell you.