I've always set up with a local account as long as it's been possible. Not because I don't want a Microsoft account linked (I always end up linking one after installation) but because they don't let me choose my god damned username! I want my user folder to be C:\Users\[FirstName] but for some stupid reason they don't give me the option to do that! It just creates a name automatically based on the account email addre…
As soon as they do that, I frankly don't care whether my account is online or not. I'm using Windows Store, Edge and PIN login; I don't remove auto-updates. Sure, there's some crap to remove, but it's a matter of right-clicking on a few icons and choosing "Uninstall". And no, I don't mind clicking "no" about 5 extra times when Windows asks whether I want some garbage on my PC.
I'll spend more time tinkering with Windhawk and PowerToys than dealing with MS being greedy.
I've been using Windows since Win98. I know what for worse or better. I'm not switching now, because Windows is still the only viable option for what I need.