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after 4 years of Linux I'm still lost..
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Dude, you're not lost. You have highly specialized requirements that the vast majority of people don't have so most people won't be able to help. But you definitely are ahead of the average Linux user here.
I'm one of the people that can't help you, but it looks like some others here have good suggestions
I'm not sure hardware-based full disk encryption counts as a "highly specialized requirement". It's enabled by default on Android, iOS, Mac and even Windows usually. It's a basic requirement for businesses.
citation needed
It requires you to sign into a Microsoft account (which I assume most non-nerds do, given how hard they make it to avoid) and have hardware that supports it... But yes Windows enables full disk encryption by default now.
https://www.tomshardware.com/software/windows/windows-11-24h2-will-enable-bitlocker-encryption-for-everyone-happens-on-both-clean-installs-and-reinstalls
https://support.microsoft.com/en-gb/windows/device-encryption-in-windows-cf7e2b6f-3e70-4882-9532-18633605b7df