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"In fact, I'm running Windows 10 with a Windows 11 retail key."

 

I've gone the other way around and applied a Windows 7 Home Premium key to a Windows 10 install (Home, not IoT Enterprise) which worked just fine.  You'd think that M$ would expect you to pay for such an upgrade, but at this point I think they are happy to just retain customers...

 

The whole point of me moving my Intuit apps to a Windows 10 VM is to prepare for eventually wiping my physical OS disk and installing a Linux distro.  That will happen if/when M$ somehow forces me to "upgrade" my PC itself to Windows 11.  AIN'T GONNA HAPPEN.