I use my local administrator account, so why am I getting this error?

Tutorial Reset Windows 10 Windows 10 Installation Upgrade Tutorials I tried to use top option in pic 1, but no recovery media was found, so used bottom option. Pics 2 shows the Troubleshooter option; pic 3 the options with nothing about a reset.
I must be doing something wrong, but what? Computer Disk management looks odd also. Should I have all those recovery partitions?
EFI System Partition 500 MB
Recovery Partition 829 MB
Recovery Partition 11.44 GB
Recovery Partition 1.07 GB
NTFS 917.58 GB

You have recovery partitions that are left over from the factory load of software, but which aren't actually being currently used by Windows 10. To see if there is a recovery partition that is actually being used by Windows, you will want to open a Command Prompt (Admin) or Powershell (Admin) and run the command:

reagentc /info

I would guess you are probably going to get a result that says the recovery environment is disabled.

With all the problems that have been reported attempting to use the Reset This PC function - I would never do it. I would just do a clean install.

Hi there! I've still got to get out for a suitable stick, but in the meantime have come across Fresh Start Windows 10 You did not mention it, and, not knowing its workings, am curious why?

Thanks; I understand. Is there that much difference in time taken between effecting a refresh and a clean install?

Th deed is done! The administrator account has been created with the outlook.com address, but I am struggling to create a local account (with or without privileges). I thought I had created one with name and p/word, but nothing is to be seen,