Well Windows 10 at least lets you create a local user account. you can’t even install windows 11 without having a microsoft online account, because you need a Microsoft account to be able to create a local user.

During setup there is a keyboard shortcut to get to command prompt.

Then a command you can use.

Then the machine restarts and you can setup without a Microsoft account.

Idk how Reddit links are treated here but here are some good methods (I used the test/fake account like 2 weeks ago)

You can also use Rufus to make an installer that automatically bypasses it but I haven’t used it in a while and not sure if it still works.