So theoretically the only reason M$ insists upon the two as a combined requirement is to force the installer to install only as they dictate it should..... it's basically an extension of their DRM.TPM functionality is exposed in a standard way by the UEFI, and operating systems have the ability to probe the system to see if it supports advanced cryptographic functionality. This has been possible since 2011, the first release of the 1.2 standard.
This is why it's possible on most Linux distros to enable disk encryption during setup, and why Windows will automatically enable device encryption after the OOBE setup is complete.
I have never encrypted anything..... too much of a hassle if something goes wrong.
EDIT: however what happens when an OEM mobo gets rebranded by an OEM like Mecer that almost never maintains firmware themselves...... this means that instead of OEM the machine will be picked up as DIY.