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>"As far as I could tell, creating a user account just locally was not possible"

I do it all the time. Do not plug network cable and do not connect to WiFi. Windows then proceeds to setting up local account

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If you do accidentally connect to a network, before you realise this, there's no way to get it to forget. Rebooting doesn't work. The only solution I found was walking 30m away to the other side of the parking lot out of range of WiFi.

Disable WiFi in the BIOS.

Insane that you have to resort to that.

You don't have to resort to that.

Start the install over from scratch. You can have wifi enabled when installing. Just don't plug in a network cable and don't connect to a wifi network when it prompts you to. Read carefully, you can avoid connecting and if you do you don't connect, you don't have to use a Microsoft account.

Shift+F10 is your friend at installation time.

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