One handy and free Windows installation tool I've used is Rufus. Designed to run or install Windows from a USB drive, Rufus can help you sneak past some of Microsoft's stringent and annoying requirements. You can tell Rufus to sidestep the hardware constraints, bypass the need for a Microsoft account, and choose a name for the local account you want to use.
Skirting past the hardware restrictions is an option you can use whether you're upgrading your existing Windows 10 PC or installing Windows 11 fresh on a clean computer. An upgrade to Windows 11 will preserve whatever type of account you set up in Windows 10 -- local or Microsoft. But with a fresh install, Rufus will let you opt for a local account, which Microsoft doesn't easily allow.
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