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> constantly trying to get me to sign up for iCloud or Apple Pay or Apple Music

"constantly" seems like a strech, sure you need a icloud account for the app store to work, but thats it.

i don't recall having been nagged for anything more than once by apple. whatsapp on the other hand ...

I have a seemingly permanent notification for the settings app to, "finish setting up your iPhone."

All I have to do is punch in my credit card number and sign up for Apple Pay. I don't want that.

now that you mention it, i remember the "finish setup..." nag. iirc it went away after i started to setup whatever and then cancel/abandon the setup thingy

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