This is not the correct model. For a typical user, they can bring the laptop to someone knowledgeable, who will pop out the drive for them.
The main question is: What is the biggest risk: theft or data corruption.
In my experience, corruption and ransomware is more common so FDE should be off for households desktops or laptops, as these rarely leave the house. A business tends to have managed devices and data loss is a legal nightmare, so FDE should be on. The main thing is: people should be able to choose.
