If you have performed an upgrade process from the previous version (for example, 21H1) to the latest version (for example, 22H2) of Windows 10, you do not need to format your computer. The upgrade process is designed to update your existing system, and your files, settings, and applications will be preserved.
However, if you prefer to perform a clean installation of the 22H2 version, then you may need to format your computer. A clean installation will erase all data on your hard drive and install a new copy of Windows 10.
Therefore, if you are performing a version upgrade and want to preserve your existing files, settings, and applications, you do not need to format your computer. However, if you prefer to perform a clean installation, remember to take a backup of your data before resetting your hard drive.