It is getting progressively more difficult to set up a new Windows laptop without a cloud account. Currently it's a pretty esotaric command line prompt if you know the keybinding to get a terminal open.

The worst it can get is having to reinstall windows with an image modified to run first setup with a local account. Though with a lot of manufacturers it's a good idea to do that anyway to also avoid all of the bloatware they preinstall.

For Win10, I had to keep it disconnected from the network throughout the install process. Once you're connected, you have to do it all over again.

Win7 was the GOAT