When setting up your Mac, make sure you pay attention as you may encounter this screen.
15 November 2023
If you enable FileVault, you'll fully encrypt your SSD.
This might be ideal for you. However, if something happens to your Mac or you forget your password and need to extract the data from the machine, you won't be able to unless you know the FileVault password...
But, if you're security conscious and you're storing important data on there, enable FileVault and make sure you remember your password