I'm only going by reviews, and some previous comments here, but as I understand the W11 problem, it isn't that latr (12th & 13th Gen) Intel chips won't work under W10, but rather that W10 doesn't have the Scheduler that W11 does, and without that, the balance between P-cores and E-cores isn't right, which means you can end up getting well sub-par performance, especially if somethig that should be getting P-core ends up ambling along on an E-core. Etc.
Obviously, from a business perspective, there might be reasons for going Intel, and there most definitely might be reasons for staying with W10 not W11, not least, consistency across the organisation or not mixing and matching different OSs, giving support a headache and possibly custom software conniption fits. Been there, done that. Had that argument in forums, probably including here, as to why at least, in that situation, moving from W7 to W8 wasn't a good idea, and even XP had a big role. I even knew a couple of guys making very impressive consulting fees because they were experienced COBOL programmers. I trained on COBOL (and Algol, etc) umpty-ump decades ago and it was old hat then, as I also did C and C++ etc (yeah, that's long in the tooth now too) but these COBOL guys had clients with BIIIIIIGGGGG systems, like banks and insurance companies, that had core software written in the 60s and 70s, and whose original coders had not only retired but very pssibly died. It was the size, importantance and pervasive nature of those ancient but core programs that, for a long time, restrained not only software but hardware choices.
But while that can sure hold true for business users with those kinds of factors to bear in mind, I feel it's much less so for home users. My opinion there would be .... wanna go late-Gen Intel, go Win11. If you don't (as I don't) want to go Win11, best at least look long and hard at AMD CPUs. Yeah, going with W10 on Intel 12th and 13th G will work, in the sense of not falling over, but not (as I understand it) in terms of getting anything like what the CPU should be capable of out of them, which for home users, begs the question ... why do that?