>you click create account, then select local account at the bottom.

Sounds like something Douglas Adams wrote. It is not _total_ FUD, it's confusing, and it's obvious Microsoft wants to hide that option and force most users into using an MS Account.

Edit: Oh, then if you create a new account, again, way at the bottom, in low-contrast text, is "Sign in without a Microsoft account (not recommended)". Clicking that takes you to a screen full of text, telling you how MS accounts are better. The default selection on that page is "Microsoft account". You must again click Local account to actually continue.