I have a NUC with an i7 CPU and updated to 24H2. After the update I disabled recall and it had no effect on File Explorer. I used the DISM command: Open Terminal (Admin) - dism /online /disable-feature /featurename:recall
It stayed disable even after updates and restarts. To check status: dism /online /get-featureinfo /featurename:recall
It looks like Microsoft's Recall push is back in full swing with Windows 22H4. A recent technical analysis revealed that disabling Recall also disables the modern File Explorer interface. Currently, it is unclear whether this is a bug or intended behaviour, but it's indicative of Microsoft's AI-encrusted future.