Let's be serious for a second and consider what's more useful based on the likelihood of these things actually happening.

You're saying it's likely to happen that a laptop thief also is capable to stealing the recovery key from Microsoft'servers?

So therefore it would be better that users lost all their data if - an update bungles the tpm trust - their laptop dies and they extract the hard drive - they try to install another OS alongside but fuck up the tpm trust along the way - they have to replace a Mainboard - they want to upgrade their pc ?

I know for a fact which has happened to me more often.