Most products like this have some kind of "harder way" to set up without an account, while the smartphone way uses an account. For a router usually means that if you want the old-fashioned manual way you need to visit the router's gateway IP and set it up from there.
Sometimes "the smartphone way" even has a way around having to make an account, it's just that it's hard to find or discouraged. E.g., I set up my HP printer without an account or any ink subscriptions (and I even think it's a great printer, shocking, I know).
(I had a Nighthawk device relatively recently and it had no need for an account, but I don't actually know if this has changed recently)
Once that is done you can use the browser for a few things, but for WiFi password and all I think app is still needed. Couldn't find a way to do it other way.
Worst thing is that this stupid Xfinity app eats phone battery like crazy. So I had to disable background activity and bluetooth permissions once I was done with the activation and initial setup.
- my most recent Comcast/Xfinity experience