https://learn.microsoft.com/en-us/windows/security/hardware-...
> For systems with TPM 2.0, the TPM is configured by Windows to lock after 32 authorization failures and to forget one authorization failure every 10 minutes. This means that a user could quickly attempt to use a key with the wrong authorization value 32 times. For each of the 32 attempts, the TPM records if the authorization value was correct or not. This inadvertently causes the TPM to enter a locked state after 32 failed attempts.
> Attempts to use a key with an authorization value for the next 10 minutes wouldn't return success or failure. Instead, the response indicates that the TPM is locked. After 10 minutes, one authorization failure is forgotten and the number of authorization failures remembered by the TPM drops to 31. The TPM leaves the locked state and returns to normal operation. With the correct authorization value, keys could be used normally if no authorization failures occur during the next 10 minutes. If a period of 320 minutes elapses with no authorization failures, the TPM doesn't remember any authorization failures, and 32 failed attempts could occur again.
Depending on how serious you are you also don't consider MacOS.
And then you kinda have a couple of things to chose from but ultimately you need to build your own security depending on your attack/threat model
But also, threat models and the best way to mitigate them aren't really a linear scale of being <unserious> to <serious>, but a complex consideration of a particular situation.
BitLocker with a password (the equivalent of the LUKS configuration in question) does not share these issues.
It is annoying that they hate password for system drive _so_ much; the reason is actually pretty obvious when you think about how their "happy path" AD-driven enterprise deployment with stupid password rotation requirements works (and FileVault is a nightmare in this scenario), but I wish they'd make it easier for individual power users.
I can understand the default being TPM-only + online key backup, huge amounts of the population forget their login passwords (which can be involuntary, e.g. head injury) and huge amounts of them still want some backup way to access their data rather than losing it forever.
But for anyone who cares just a little more, or would prefer to lose data in those situations, it's such an abnormal and hidden path that it's clearly blocking tons of people from choosing it.