On Windows 11 23H2, using a fresh local user account with no password set and no Windows hello stuff, in both Chrome and Opera, both with fresh profiles that have never been run while there was a password or pin set on the account, I added some username/password entries at chrome://password-manager/passwords
, closed the browsers, logged out of the Windows account, logged back in (just had to click "sign in" and not type any password because there isn't one set), started Chrome and Opera, went back to chrome://password-manager/passwords
and I was able to show the password for entries, edit the entries and goto the "chrome://password-manager/settings``` page and export passwords to a csv file without ever being asked for a Windows password.
So, my guess is, if you don't want to be asked for a password, you'd have to start with a new "Opera Stable" folder (in both "C:\Users\yourusername\AppData\Roaming\Opera Software" and "C:\Users\yourusername\AppData\Local\Opera Software" so entries end up in the "Login Data" file that are encrypted.
You might be able to get away with just deleting the "Local State" file and the "Login Data" file. But, that might affect some things like cookies etc., so it'd be best to start completely fresh.
Before you do that though, you'd want to export your current passwords. When you get asked for a Windows password, you can try leaving the field blank and just pressing enter or your can try entering the Windows Hello pin you had before you disabled it or you can try entering the password you had for your user account before you removed it, which might even be the password for your Microsoft account.
If you didn't start using Opera until the account didn't have a pin and password set for it and you get asked for a Windows password, I'm not sure what to do except to start with a new profile in Opera.
If you're using Opera Sync and syncing passwords, I don't know how it affects all that.
Anyway, that's the behavior I see for what it's worth.