To be clear, general-purpose Linux distros generally can't disable these kconfig options yet, due to these cases. But there are many Linux systems that simply don't need this functionality.
A good project for someone to work on would be to fix iwd and cryptsetup to always use userspace crypto, as they should.
Just reboot after applying this change.
zgrep CONFIG_CRYPTO_USER_API /proc/config.gzlsmod shows it is not loaded on any of the Trixie or Bookworm machines I have checked, Intel or AMD.