From the Neowin forums, user "Warwagon" has a great article to check for and setup this accessibility feature for those who may need it. Video is also included.
https://www.neowin.net/guides/how-to-use-live-captions-in-windows-11-22h2/
SA
He also points to how to go from Windows S to Home or Pro (although doesn't mention that going to Pro costs $99 when you get to the MS Store.
My MS Surface Pro 2 has S so I may look but more likely to leave that unless I find I want apps for things like my Phonak hearing aids.