By default, the account you create when you first install or upgrade to Windows 10 uses your Microsoft account. Microsoft wants you to do this so you can easily hook into all of Microsoft’s online services, such as the Windows Store and OneDrive. But if you’d rather keep your stuff on the desktop—at least as much as possible—or don’t want another member of your family interacting with Microsoft’s cloud then creating a local account would be the better choice.
https://danielssmiths896.wordpress.com/2019/11/14/how-to-create-a-local-account-in-windows-10/
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