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.