Microsoft's Windows 11 push backfired, so it's quietly keeping Windows 10 alive for another year
(www.xda-developers.com)
Build your USB installer using RUFUS.
The SELECT drop-down (the down arrow itself, not the entire button) even downloads a generic multi-version of the latest Win11.
It’s at the last step before creating the installer when RUFUS gives you a bunch of settings that you can leverage, one of which is a Microsoft Account bypass so you can create a local account.