You know, this is actually one Windows decision I agree with. Encryption should be default, especially on portable devices like laptops. For an OS aimed at people who want to use their computers, rather than understand them, you have to choose an encryption that works by default for most of your non-tech-savvy users.
If they want their data truly in their own hands, or full control, use Linux.
If they want to use Windows, but not rely on a Microsoft account for recovery, get the bitlocker recovery key and write it down (which you can do).
But I think this looks like a sane default.
(Full disclosure, I don't use Windows for anything I care about!)