Hi Den,
Thank you for posting your question here at Microsoft Q&A. I understand you have a pin/password problem after a reset.
I can confirm that your issue is most likely caused by a corrupted Windows Recovery Environment and damaged PIN/boot files, which explains why your PIN stopped working, your password is rejected, and only “Startup Settings” and “UEFI Firmware Settings” appear instead of the usual recovery options. After updates, it’s common for Windows to fail to validate your password offline, so first connect to Wi‑Fi on the lock screen and try signing in again with your Microsoft account password because Windows support notes this can work when the PIN system is corrupted. To fix this, try to use another computer to create a Windows installation USB, boot your locked PC from it, choose “Repair your computer,” run Startup Repair, and if needed perform Reset this PC then click Keep my files, which is the recommended solution when both PIN and recovery options fail after corruption.
Let me know if you need further assistance, feel free to ask me by clicking "Add Comment" or "Add Answer" if you cannot add comment so your response will be visible. Thanks for your effort.
Regards,
Angelique P.