Many days of searching and I hope this helps someone.
Bios mode = Advanced
In my Z390 Aorus, this setting for on chip TPM is available in miscellaneous, then enable PTT.
In later Z390 boards, they put the PTT toggle under Peripherals.
I passed the Windows 11 Test after that with my 9th Gen I9.
I will likely cancel my order for the true TPM module for that board, since it was near $50 instead of it’s normal $20.