Rufus has that option, I’ve used it myself to update to Win11 because I didn’t have a motherboard with TPM at the time.
Also wanna mention, the reason I updated was mostly because I thought Win10 was kinda ugly and I think Win11 was a huge update in that regard and also because of security reasons, since Win10 won’t receive any more updates in the near future. At the end of the day, I can count on one hand how often I boot Windows in a year (I almost exclusively use Linux), so I don’t really care about all the Win11 bullshit anyway.
I use a refurbished 10tb HDD for my server too and it works just fine