You can do this for Home versions too, by using regedit.[1]
[1] https://www.ghacks.net/2018/09/27/how-to-delay-feature-updat...
EDIT: Apparently, it does defrag if you have “Volume Snapshots” enabled, but I don’t know anyone who uses that feature.
> But if volume snapshots are enabled (so you can revert to a backup using System Restore), it will in fact defrag the drive even if it is an SSD.
this implies that if System Restore is on, volume snapshots are enabled
System Restore is on by default