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I've never heard of TPM, but I bought a Ryzen 5800x and a motherboard to match about six months ago. Is it likely I'll need to add hardware? Or just fiddle with the BIOS? Or will this just work as-is?

Check your motherboard manual. Some are already on the board and just need enabling in the BIOS. Some are on a plug-in module (sold separately).

TPM is on chip so you'll be fine, just enable it in UEFI

and even if they have to be enabled in uefi, I don't think MS expects the average user to dive through it to enable it. Also why not legacy bios support, I have an old dual core 2ghz Intel 8gb ram perfectly capable but doesn't have uefi support

some processors have TPM built-in.