I actually had the same experience. When I first bought this laptop (brand new with Win 10 "HOME"), I know, HOME should not have a bitlocker because as per MS it's only available on Pro and Enterprise, but yeah I can still vividly remember because my laptop is just a couple of months old. I don't know why I had that and I could only guess. But I immediately noticed it because it gave me that padlock icon on my drives. Backed up the keys locally and saved them to my cloud drive and also backed it up to my MS account MANUALLY. Yes, I had to manually do it, it did not automatically sent these keys to my account, I had to trigger it.
So no, it's not going to ask you where you want to save it if a major update somehow triggers that. I suggest keeping an eye on that "padlock" icon that appears on your drives after some major updates.
But I need to tell you, so far, after upgrading my OS to Pro I have not at all experienced any automatic triggering of the bitlocker in my device. Since I moved to Pro, my bitlocker is turned off.
People experiencing the same issue in this thread.
https://answers.microsoft.com/en-us/windows/for...