Following a HDD failure, I've just re-installed Win10 Home on a new SSD on Junior's laptop.
Using the latest Win10 Media Creation Tool to make a bootalbe USB.
This all worked fine.
But MS have ratcheted up the pressure to sign in with a Microsoft Account.
Previously, when you got to the Account Setup point, you were strongly guided down the Create / Sign up for MS account.
But there was a small link to 'Skip' this, and to create a normal Local Windows account.
This option is now gone.
You now *must* use an MS account.
There is a workaround.
Ensure there is no Internet connectivity at this point.
So unplug any LAN cable, and at the WiFi setup page which appears earlier, un-check all networks and select the option 'I don't have Internet'.
Then, windows will huffily ask if you wish to continue with a 'limited' install.
Limited my arse. Limited for them, not me.
Then the option to create a local account appears.
Once you get to the desktop, go ahead and connect to the WiFi or LAN as usual.