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I've struggled through this issue the last couple of years, but it is more than just having the personal vault of OneDrive open/closed.

 

My setup is simple - I have a surface with no USB or external drives, so the only difference in the setup for my machine is having the personal vault either locked or unlocked.  I am on my 3/5 activation license with my 2024 software.  The initial license the personal vault was locked, and on the subsequent license the personal vault was unlocked.  The third license the personal vault was locked.

 

I have just launched TT 2024 again - now, regardless of if the personal vault is locked or unlocked, I have to burn the 4th activation code.

 

I'm done with this. I've been using TT for almost two decades, but I'm going to give H&R Block a try.