But it still prompts you to sign into your account and "finish setting up Windows" by using onedrive and whatever other cloud bullshit.

And it will continue to do that forever.

Source: when we lose power and the machine restarts unexpectedly, I die a little inside when it goes to the windows set up screen just because I haven't signed in to a Microsoft account.

Do you care about not having a subscription? If so that solves that problem. But in 2025, I have three devices where I for whatever reason may want to have access to my document - my phone, tablet and personal MacBook. That’s not even counting in a pinch, editing on the web if I’m at another trusted computer or on my work computer.