Can I install windows 10 with a local account? YES!
I get asked this more often than Microsoft would like. Yes, it's great to have a system set up with a built-in cloud presence. But some systems just don't have Internet access or relate to a live body with an email address. And some people just don't want that much Microsoft, even when they are buying their OS.
So here's the trick to installing a local account on Windows 10 box during installation. Pretend to go along with the plan then chicken out at the last second.
And you've installed with a local account! The process is similar when you go to create an account after installation - keep going and look for an option duck out and get your circa 1995 local user account groove on.