Disabling the AI snapshotter requires a trip into Settings for ordinary users
Over the weekend, The Verge's Tom Warren posted (on twitter) screenshots showing Microsoft's latest Out-of-Box Experience (OOBE), in which the Recall feature can't be turned off unless the user opens Settings after completing setup.
Now, it's possible things have changed in the last few days, but I wouldn't really expect them to based on the last time I used windows. I also didn't know this before I tried looking it up, so I'll admit I'm a little biased against microsoft.
But the real question is, what documentation are you looking at where you're pulling all this information from? Can you provide a link?