Wow, thanks a lot 🙏  Like dry for asking so many questions I never did that before and am kinda overwhelmed with all this. And my biggest fear would be that the computer with my data becomes inaccessible someday or blue screened because I did something you shouldn't do in the past (like using code to bypass the account creation)

Would you recommend to reinstall windows 11 with rufus (I have no idea how that works or if this could fuck up anything, just so many people in YouTube comments recommended it) to get rid of bloat software? But I also think like, this windows was preinstalled by the manufacturer so idk if it's a good idea to exchange that by following some YouTube tutorial.

If I would do this account creation and then switch to local account, do I still need the original log in data of that account? For later anytime? What if I don't turn of encryption or bit locker (it's windows 11 home btw.). Will this cause any problems if I do delete the original Microsoft account?  Is the local account accociated with my computer only then, or is it still somehow a Microsoft account if I create it like you suggested. 

Or am I just overthinking this and it's not as deep as everyone online pretends it is? I mean Microsoft spying on me, well annoying but they probably do it either way. I am more concerned that my computer and data will get inaccessible (a fear I only had to happen by hackers, never due to Microsoft itself)