[yonatan8070]

For everyone I know, their personal PCs don't store data that's valuable to criminals who might steal their PC, but do store personally important data like family photos, etc.

They all would much rather have the disk exposed to anyone with physical access and have their data recoverable in the much more likely case where the PC suffers physical damage or some other kind of software/hardware failiure.

Account passwords and session tokens can be reset, photos of loved ones can't can't be retaken

[zigzag312]

Very good point.

Account passwords and session tokens belong to secure local storage anyway. For personal PCs unencrypted personal data and encrypted secure local storage would make most sense as default configuration IMO.