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Windows MR Headsets No Longer Work In Windows 11 24H2
(www.uploadvr.com)
This is a most excellent place for technology news and articles.
If you're just talking about WMR devices (and not VR in general), then no, they don't require an account. The Reverb G2 is the most supported by Monado (and has the best hardware), but I'd try to get the V2 revision. And the cable is a common failure point, so could be an issue with a used purchase.