This hasn't been a thing since Windows 7, at the latest. Jesus wept, get your complaints up with the times. What you're describing was a problem introduced with Windows XP, that continued a bit into the Windows Vista era but was definitely ending by the Windows 7 era when Microsoft put requirements of motherboard manufacturers to make BIOSs that allow the embedding of Windows product keys into them. Changing hardware doesn't affect the embedded product key, so you're fine. It was pre-embedded product key machines that used this mechanism involving a hash of the available hardware.
And none of that has anything whatsoever to do with the TPM, for Pit's sake. The TPM doesn't give a crap about your video card. The TPM only really cares about whether the bootstrap has been modified (aka Secure Boot), so it knows that it's giving up the stored key to a secure OS, thus preventing outside actors from decrypting your hard drive without your consent. Except it never even gives up the stored key. Instead, it does the decryption internally, resulting in a different key that can be used to decrypt your hard drive. This way, if your motherboard fails, you can still recover the data by supplying the decryption key manually, and there's no way for outside hackers to obtain the key, even if they have the hardware in hand. Furthermore, the OS has to supply a passcode of some kind to get the TPM to do any of this in the first place. No OS actually requires that that passcode be stored on your hard drive. You could supply it yourself on every boot.
Everything I described so far depends on Secure Boot being enabled. If you don't want Secure Boot, you can still use the TPM for stuff, it's just way less secure.
So, no, the TPM isn't some nefarious POS that fucks you at every corner. It's a hardware security device that makes it much harder for attackers to pwn your system, even when they have physical access to it. It is good.
And, having a Microsoft Account is a really good idea for the vast majority of Windows users. Having one allows you to recover your hard drive data in the event of a motherboard failure, for instance, and also gives you access to automatic backups of certain files and settings, and gives you access to OneDrive, which most people definitely are going to want. OneDrive automatically backs your documents, pictures, etc, up to the cloud, and, for documents, maintains a version history, allowing you to recover previous versions of documents in case you need undo some mistakes. The utility of this cannot be overstated. You may not like the privacy implications, but for most people, the benefits massively outweigh the malefits. And, you get a copy of Office for a small monthly fee, along with additional OneDrive storage, which is hugely nice to have. I'm sorry, but Google Docs and LibreOffice suck donkey nuts in comparison to Microsoft Office. Office is just miles ahead in terms of ease-of-use, compatibility, speed, portability (Office for Android is great, and integrates with OneDrive), and everything else that matters.
And I say all of this as a person who legitimately used Linux and FreeBSD as daily driver OSs during most of the XP and Vista eras. Windows is just better as a desktop, Visual Studio is the best IDE out there, Office is the best office suite, Edge is a pretty decent browser, and Visual Studio Code is the best plain text editor around. My only real complaint is that Windows 11's taskbar sucks. But ExplorerPatcher fixes that problem, and with that Windows goes to the absolute top of the list for desktop OSs. Don't get me wrong, Linux is great as a server OS, and can be made into a pretty fine HTPC, and FreeBSD and OpenBSD definitely have their places too, but for desktop use Windows has them beat by a huge margin.