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Home computer? I wouldn’t even have a password. If someone has physical access to your PC there are ways for them to get what they want no matter how strong your password is. You just need it to be secure enough to prevent specific people you know have access from getting in. Family, friends, whatever. So basically the only risk is that you use a password that they know you use because you shared an account with them or something.
Pretty much because cops might walk in if there’s nothing physically stopping them but they’d have to do a bunch of paperwork if they smash my window to get in. In a world without cops I probably wouldn’t lock my doors.
When and why is “the rando who doesn’t know much of anything” accessing your home PC?