You could also try clearing the TPM from within Windows' security settings, then restarting and checking the BIOS again. Another option is to use the Media Creation Tool for a clean install, which sometimes bypasses weird upgrade checks. Let me know if that works.
Can confirm. Yep, that firmware TPM setting was the key for me too. After switching it, I had to clear the TPM in the security settings before the upgrade finally went through.
Can confirm. Yeah, that's a solid suggestion. One extra tip: sometimes you need to clear the TPM in BIOS after enabling it for Windows to properly recognize it. Let me know if that works.