I appreciate that disabling Fast Start has helped some others, but as I have said previously, I tried it, and it didn't help me. In fact, since I was forced to reinstall Windows, Fast Start has been disabled.
I have just installed update KB5055523, with the hope Microsoft have finally fixed the issue ... they have not. It even appears that they have simply disabled facial biometrics on affected machines, as I tried the troubleshooter before going for the final desperate step of contacting MS Support. It deleted the biometric device, and after several reboots, it has not reappeared.
So ... I went through the painful process of asking MS support ...I gave them control of my machine for a couple of hours(!). They pretty much ignored all I told them, and went through everything I had already tried. I waited patiently, with the hope they would conclude it was an actual problem, and they would escalate to someone that would take it seriously, and had the power to escalate further ... the support guy got to the same point I did, and without warning, downloaded the Windows 11 ISO, and opened it ...I had to shout STOP (well, type), and explained that last time I tried this, I ended up with a BSoD and had to reinstall Windows, losing all my applications (but thankfully keeping all my data) .. he typed into Quick Assist that an in-place install would only repair and update ...I was just typing that I knew the theory, but it caused problems last time ...then Quick Assist promptly terminated, and I went back to the support portal (https://support.microsoft.com/home/contact), to find that he had closed my request!!!!! What a complete waste of time. showing the incredible lack of professionalism in Microsoft. I expect the closed case will show on his KPIs as a job well done!