I had to install a temporary windows 10 (not 11) install so that I can unlock the bootloader of a xiaomi phone and install a better rom. I managed to avoid the microsoft account use by not connecting to the internet before the setup was finished. It asked me like 2 or 3 times it looped 2 or 3 times in the select wifi / use MS account screens before giving up and sending me to the local account creation.