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Only reason I have overclocked Raspberry Pi 400 for net, office and bank stuff are those shitty spyware anti-cheats. This way I don’t have to worry what kind of monstrosities are installed on my deck, because it’s only used for gaming, but you are right, you can manage with just the deck, unless you need some high end proprietary windows software for your self-employed work.
In many things you need to be accredited by a third party according to some standards and they audit you periodically. They demand that you have shitload of plans, programs, reports, logs and other paperwork required by those standards.
Auditors mostly only care that the paperwork exists and only focus on the contents on key aspects that are usually clear and short.