So are you saying I need to change how I log into Windows to be able to use this website / security method? I didn't really trust Windows Hello because of all the junk they bundle with Windows now. I just assumed it had some angle to it.

I'll have to do some more reading into how this works. So far this seems much more complex than a password though. If the browser is just generating a keypair and sharing the public key, you'd think that would be possible without any specialized hardware chips or USB keys.