Currently you have to opt-in to even have the "feature" there. As usual, a lot of hysteria over nothing, but I understand being cautious for the future with anything involving Microsoft and its history of "oops, we turned "X" on after the latest forced bi-weekly Tuesday update."
I've been running Windows 11 24H2 on four laptops and a desktop at home and Recall isn't installed on any of 'em.