When I installed Win10.0.122
, I chose a local account by not being connected to the Internet (the only way to force creation of a local account, other than exploiting broken code in creating an MS account)
I also chose to custom install and not use the Express settings
. This choice makes you go through some initial settings and select whether they are turned on or turned off.
The Privacy choices
is what caught my attention. Most are run-of-the-mill choices, but the very first choice stood out as a red flag. This might simply be poor wording on the selection, or it might reflect what is commonly referred to as "Opt-in marketing", where you give explicit rights to use the information you provide to market stuff to you. If it is the latter, then you should NOT opt-in.