I’ve never had an account… not sure what weirdness you experienced but I’ve never once been pestered or asked for a login. Infact, the only thing I get is the ‘lets finish setting up windows’ full screen trash, which is just a window and I can alt-f4 to close. It’s been years like that.

Can confirm. I have never had W10P bug me about OneDrive. I don’t have, nor will I ever have an account for microshit. Local user only. All files stored locally and have never been promoted to do otherwise.