For now I just use a customer-supplied email address which I used to setup a Microsoft account, setup Windows and use that account, immediately create a local-only 'admin' account with full rights, delete the online associated account, and start creating user account(s) from there.
https://rtech.support/guides/bypass-11/
I have a Microsoft account, but I prefer to use a local account to avoid a lot of the "value add" that comes from using the Microsoft account.
If we always just say 'Oh, well, if you do XYZ then you can manage to do A despite B' then we're eroding our control and agency. Slowly the bypasses will phase out, as they have slowly been in this case, and then we're really in a poor state.
I had a tech support client who came to be because they valued their privacy and didn't want an account but who had no idea how to make that happen. They didn't even really know what to be looking for.
You're right that I probably made an assumption that someone posting on hacker News would have the technical ability to hit a keyboard combination and type a command on a command line and hit enter, which is essentially what's required currently to utilize the local account ( https://rtech.support/guides/bypass-11/ )
My reply was intended as more of a direct message to OP, as opposed to general advice I think every end user should know and follow. I should have been more clear.
And yes, I later learned that aka.ms is a real Microsoft URL. But when it was first described to me it sounded exactly like ransomware and had exactly that effect.
That said, the process is:
1) while installing Windows press shift f10
2) a command prompt will open and you type OOBE\BYPASSNRO
When you hit enter the computer will reboot and allow local mode.
I fully recognize that this is a hidden option that most people don't know about, but if you do, it seems pretty straightforward to me for someone that's already at a level where they're comfortable manually installing Windows, but I recognize I have an blind spot due to my own technical abilities.