Hi Dougal. I'm Greg, 10 years awarded Windows MVP, specializing in Installation, Performance, Troubleshooting and Activation, here to help you.
Here's here how to reset the PIN when it will not work from Settings > Accounts > Sign In Options:
Open Windows File Explorer using the file folder icon on your task bar.
Tick the box in File Explorer View tab to Show Hidden Files.
Browse to C:\Windows\ServiceProfiles\LocalService\AppData\Local\Microsoft\Ngc
Delete or rename to Ngc.old this folder to reset the PIN.
**You may need to first take ownership of the folder in Windows 11:
https://www.elevenforum.com/t/add-take-ownershi...
Once you delete or rename the folder it will recreate it so you can add a PIN normally in Windows Settings > Accounts > Sign-In Options. You may need to restart the PC first.
If you cannot sign into Windows or have other unexpected problems try these tutorials covering all possible problems here:
https://support.microsoft.com/en-us/windows/res...
https://www.anoopcnair.com/methods-to-reset-win...
https://websiteforstudents.com/how-to-reset-a-p...
Based on the results you post back I may have other suggestions if necessary.
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Standard Disclaimer: There are links to non-Microsoft websites. The pages appear to be providing accurate, safe information. Watch out for ads on the sites that may advertise products frequently classified as a PUP (Potentially Unwanted Products). Thoroughly research any product advertised on the sites before you decide to download and install it.