I had to go through this bs as well. I created the secondary account for my kid, but it still pestered me for age verification afterwards. There was no way around it. There is a section in their settings, where you can have them delete all...
From a throughput standpoint, I agree, the bus has more than enough bandwidth. In practice its a different thing. I especially see it with x-plane during low level flight. I can average a high fps but every 5-10 seconds, I would get a micro...
If you are playing a game that streams a lot of data textures like MSFS and screen recording, it helps to have two separate drives to isolate the recording to a different disk.