Agree with you. Used to use an MS account on the old installation, whose HDD died. Now using Win10 Home with local account and it hasn't tried to sneak me on to an MS account after the install process itself, where I still found the option to skip creating an online account as early as three months back. Supposedly Home is most restricted Windows version.

However this does mean I don't get sync and other fancy features like locating the device and other remote stuff. Not particularly bothered, but I do wonder if my old MS account will get deactivated after a certain period of disuse. Perhaps I'll just login on the browser to keep it alive.

I'll make photos next time. All I can tell you is that I have win10 pro with a local account and from time to time after update I get forced through some stupid wizard which I can't skip unless I ctrl-alt-del out. There is no skip button or do this later button.