Also, Windows 10 is the last Windows OS that supports many "not subscription" services. (Desktop Quicken 2016/2017 does everything I need, so why should I pay for a subscription?)
Quicken shouldn't be able to tell the difference between 10 and 11. Especially if it's an old release. Windows 11 reports itself as Windows 10 in the win32 API and the only way to tell is to look at the "build numbers" instead of major minor. Hah.