There was even one release of Windows 10 Home where you couldn't create a local account, unless you tricked it by not connecting to a network. Not sure if this is still the case with current builds or if they came to their senses.
And good luck if you did create one and you also happen to use Office 365, because now you have two Microsoft accounts, possibly with the same email address, that use the same login page, and that's not confusing at all.