Hmm that didn’t sound right so I had to look it up. Microsoft says there’s a way to pause the recall snapshot functionality for a set amount of time, like an incognito mode:
Pause or resume snapshots
To pause recall, select the Recall icon in the system tray then Pause until tomorrow. Snapshots will be paused until they automatically resume at 12:00 AM. When snapshots are paused, the Recall system tray icon has a slash through it so you can easily tell if snapshots are enabled. To manually resume snapshots, select the Recall icon in the system tray and then select Resume snapshots.
I don’t understand why there’s so much FUD around this product…