Importantly here, Microsoft has unfettered access to everything you do on your computer at all times. Irrespective of “recall” being on your system. They spy on you and target advertising based on your behaviour — even with Ad IDs turned off. Do yourself a favour and use Fedora or Mint. Linked content [1].

[1] https://www.tomshardware.com/software/windows/microsoft-recall-screenshots-credit-cards-and-social-security-numbers-even-with-the-sensitive-information-filter-enabled