Microsoft really want to force you to log in with an MS account, as well as slurp all your documents into the spy cloud, and they keep pushing back on the various ways round this people have found.
(I found an odd one: for some reason I can't log into my PC with my MS account, which let me create the local account I actually wanted. System broken in my favor.)
The best way is to set up samba on a Linux machine, even a raspberry pi, and create a domain. Then you can create group policy to turn off a lot of nonsense and set up your computer by connecting to the domain. No MS account required, although you can associate one of you like.
Windows feels like it has a lot of attrition from home users now and perhaps it is only a matter of time before it's no longer worth writing exclusive software for it.
(I found an odd one: for some reason I can't log into my PC with my MS account, which let me create the local account I actually wanted. System broken in my favor.)