As proof that no one with any intelligence at Microsoft thought this through... I can't even install a downloaded Windows 10 upgrade without first signing into a Microsoft account because it's running in Windows 'S' Mode which can't be disabled without first signing into a Microsoft account and Windows 'S' Mode (for security and performance reasons) won't install the Windows 10 upgrade because it only runs Microsoft-verified apps.
https://helpdeskgeek.com/windows-10/how-to-setup-windows-10-...