I did buy a little packet of plastic lens shields. It was a few quid (about £5,
IIRC) for a pack of about 8 or 10. They're each a very thin (about 1mm I'd guess) little frame with a bit of sliding plastic in it which can physically block any camera, and yet, can be opened in a moment when/if I actually need the camera. I have them on my laptop, the wife's laptop, my Surface Pro, both our phones and a Samsung tablet, and still have a few spares. It gets round the camera thing very neatly, and they're easy to remove if I ever sell the device.
If, on the other hand, MS require a camera
that works, i.e. like for facial recognition biometrics, just to boot, then you're dead right, they can stick that, for my part. I'm not aware that they do though, but haven't checked. As Tabbykatze (and others) have said ... I'll be waiting several months for the dust to settle
(assuming it doesn't auto-install (see note)) before giving it serious attention to decide whether to install or not.