I've been using bog-standard FDE for as long as I can remember. One extra password entry per bootup for almost-perfect security seems like great value to me.
Also for technical reasons, Windows can't do the fancy one login/password screen (which assumes a file-level encryption, which is how it is implemented nowadays to support multiple users [1] [2]). This is due to Windows software that are expecting that everything is an ordinary file (unlike Apple which don't care on that aspect and Android which has compartmentalized storage). Even if we have an EFS-style encryption here, it will be incompatible with enterprise authentication solutions.
1: https://support.apple.com/guide/security/encryption-and-data...
2: https://source.android.com/docs/security/features/encryption
That's part of the reason. Another part is BigCo spamming the users asking for biometrics or whatever the current promotion-driver is, making opting out hard to find, and using their position of authority to assert that it's "more secure" (for your personal threat model no less, nice to be able to offload thought to a corporation).
The more recently released Trezor wallets are still new, and Yubikey 5C will probably be used in many places anyway just because of the keyring and no need for the usb-c cable.