Someone suggested that Find My Mac not being on or working properly could be part of the issue. That turned out to be part of the issue as enabling location services seemed to have fixed most of my Handoff/Continuity issues. The only issue now is that my Mac on 11.0.1 can't communicate with my iPhone (no Handoff/Continuity/Unlock with Watch/Universal Clipboard) but can communicate with my iPad. My iPad can communicate with my iPhone and Mac. The iPhone is on beta software (14.3 betas), so that could be part of the issue now.
That said, if you don't have location services and Find My Mac enabled, enable it.
tinyman392
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Add me to the list of users affected by this. Purchased an M1 MacBook Pro today and just now found out that no continuity and handoff features work... That's no fun.