@ Susan Bradley….This Macworld article defines a problem with 16.3 and Advanced Data Protection introduced in 16.2. It was turned off by default.ย Users updating to 16.3 are reporting that iCloud Backup and other iCloud services now seem to require Advanced Data Protection to be toggled on which then requires Apple 2FA.ย Anyone experienced this and what did you do about it. Susan has 16.3 on Defer status. This may be why.
iPhone 13, 2019 iMac(SSD)