The TPM is mostly used to store bitlocker keys and Microsoft account tokens. If you’re not using bitlocker nor a Microsoft account, the TPM is basically just sitting there doing nothing. The security afforded by the TPM is not needed by most users. The only users whose threat model would be improved by a TPM are users who are at risk of their locked PC being acquired by an advanced threat actor desperate enough for the information stored on it to attempt a cold boot or similar attack. Basically only executives and government officials who travel with their work laptops need TPM and the full secure boot chain. For 99.99% of Windows users it’s just additional hassle and expense for no added benefit