Local accounts still work fine for Win 11 Pro, I installed it a few days ago using a clean ISO directly from Microsoft. No special patching or command line stuff needed, making a local account is part of the official install process.
https://www.xda-developers.com/microsoft-cracking-down-on-lo...
https://medium.com/@michaelswengel/microsoft-blocking-local-...
They also seem suitable for using a secret sharing scheme.
I have Microsoft authenticator requests all day every day. Using aliases has helped but somehow they continue. It's only a matter of time before somehow accidentally I approve.
Which has simply led to me not putting anything of high value in my Microsoft account and not using it for my email.