Windows Upgrade Help and more

Can confirm. You could also check if temporarily signing in with your password and resetting the PIN from Settings works.

Agreed. You could also try clearing the TPM from within Windows, as sometimes old data can cause a false reading. Another option is to double-check that Secure Boot is enabled in your BIOS, as that's another common requirement.

You could also try manually enabling fTPM in your BIOS settings, since your Ryzen CPU should support it.

Yeah, Macrium is solid. A quick tip: double-check your backup by mounting the image file to make sure your Documents folder is really in there before you proceed.