I absolutely agree with you, disk encryption is mostly against someone physically taking your device. Phones and laptops? Absolutely, yeah. Desktops? I have some faith in my door lock, and if the cops show up, have fun with my steam library. Most of the data that is interesting for law enforcement is on people’s phones nowadays, like regular contacts, media, or message histories. If you encrypt your desktop, sure, by all means do it, but it should be opt-in, not opt-out (or don’t-opt-at-all, microsoft).