I agree. I digged a bit deeper on this and here is my analysis result and suggestion:
1. I understand SVN & TortoiseSVN work with P12-formatted certificates only.
2. This format is supported by OpenSSL only, if the "legacy" provider is activated. Easy to proof that reproducible on Linux: Install openssl 3.x and without activating the legacy-provider it won't support P12 (aka PFX) certificates. The "legacy" profider needs to be activated in openssl.cfn.
3. I understand TortoiseSVN's usage of OpenSSL isn't configurable. So there should be an option to switch on the legacy crypto providers OR it should be made configurable. I think there needs to be a config call with legacy provider enabled during startup of openssl.
I am not very familiar with the TortoiseSVN code - so it would be fantastic if somebody knowledgeable would give it a try.
Best regards,
Andreas