The default behavior will never ever be to "encrypt the disk by a key and encrypt the key with the user's password." It just doesn't work in real life. You'll have thousands of users who lost access to their disks every week.
Inform, and Empower with real choices. Make it easy for end users to select an alternate key backup method. Some potential alternatives: Allow their bank to offer such a service. Allow friends and family to self host such a service. Etc.
Basically, we need better education about the issue, but as this is the case with almost every contentious issue in the world right now, I can't imagine this particular issue will bubble to the top of the awareness heap.
I suppose this all falls apart when the PC unlock password is your MS account password, the MS account can reset the local password. In Mac OS / Linux, you reset the login password, you loose the keychain.
If you mean the secure boot auto-unlock type of setup and you don't have a key backup, then you cannot reset your login password at all. You have to wipe the drive.
Password managers shift the paradigm and the risk factors. In terms of MFA, a password in your manager is now "something you have" rather than "something you know". The only password I know nowadays is my sign-in password that unlocks the password manager's vault. So the passwords to my bank, my health care, my video games are no longer "in my fingers" or in my head anymore, they're unknown to me!
So vault management becomes the issue rather than password management. If passwords are now "something you have" then it becomes possible to lose them. For example, if my home burns down and I show up in a public library with nothing but the clothes on my back, how do I sign into my online accounts? If the passwords were in my fingers, I could do this. But if they require my smartphone to be operational and charged and having network access, and also require passwords I don't know anymore, I'm really screwed at that library. It'd be nearly impossible for me to sign back in.
So in the days of MFA and password managers, now we need to manage the vaults, whether they're in the cloud or in local storage, and we also need to print out recovery codes on paper and store them securely somewhere physical that we can access them after a catastrophe. This is an increase in complexity.
So I contend that password managers, and their cousins the nearly-ubiquitous passkeys, are the main driving factor in people's forgetting their passwords and forgetting how to sign-in now, without relying on an app to do it for them. And that is a decrease in opsec for consumers.
(Separately, if you can get access to a computer I'm sure you can get access to a phone charger.)