does it come with a Windows 11 disk or thumb-drive so that I can install Windows 11 at a later date if the computer hard-drive fails?

The product comes with Windows 11 already installed and ready to go out of the box.

does it come with a Windows 11 disk or thumb-drive so that I can install Windows 11 at a later date if the computer hard-drive fails?

The HP ProDesk 400G4 comes with Windows 11 installed and ready to go out of the box, but there is no mention of a Windows 11 disk or thumb-drive for later installation.

Questions & Answers: HP ProDesk 400G4 - Windows 11 Desktop Computer | Intel Core i5-8500T Six Core (4.3GHz Turbo) | 16GB DDR4 RAM | 500GB SSD Solid State + 1TB HDD | WiFi + Bluetooth

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HIGH PERFORMANCE Built with an 8th Generation Intel i5 processor with solid-state storage (SSD) and 16GB of DDR4 RAM, this PC is quick to boot, and makes an excellent home office computer, remote learning PC, media center, or office workstation.
MODERN HARDWARE - Browse the web, stream video, create, edit, and stay productive with lag-free professional grade multi-tasking
MICROSOFT WINDOWS 11 Out of the box with Windows 11 installed and ready to go; Enjoy all the new features Windows 11 has to offer, including a more secure desktop, enhanced productity and team collaboration; Refined and intuitive aesthetics
PRODUCTIVITY BUNDLE This Desktop Computer setup has everything you need for maximum productivity; Including the HP ProDesk 400G4, WiFI, Bluetooth, an RGB Mouse & Keyboard Combo
BUY WITH CONFIDENCE 1 Year Warranty and Free Tech Support | (Kudos) Award-Winning Customer Service and Support | Built and Backed by the world's #1 Microsoft Authorized Refurbisher

$290^.16 –