Agreed. Some things to consider.
1. Don't use a Microsoft account for login to your PC. If you did use a Microsoft account, change your logon back to a local account. CyberCPU Tech
2. Check if your harddrive is encrypted with BitLocker. For a home desktop machine, I see no advantage and I would turn off BitLocker and decrypt the drive. For a laptop, you can decide if having your drive encrypted is needed. I recently purchased two HP laptops with Win11 home and BOTH of them had BitLocker enabled by default. I disabled BitLocker and decrypted the drives on both of them. Without a Microsoft account I was responsible for finding and storing the BitLocker key myself. No thank you.
3. License and install a copy of Microsoft Office 2021 or 2019. They are not the absolute newest versions of Office, but they are single license, locally installed versions of Office. I'm still running Office 2016 because I prefer it slightly to LibreOffice, but I do have LibreOffice on my laptop.
4. Download a copy of Hiren's Boot CD and use it to do a cold metal backup of your machine regularly. I prefer Ghost 12 because I can restore to any size replacement drive and I can retrieve individual files from the backup file. A cold metal backup means you can restore your entire OS drive, with settings, licenses, registry changes, accounts, software, etc. to a replacement drive and be back to work in 15 minutes. https://www.hirensbootcd.org/
5. Backup all your passwords in a separate location. Either download your password list to a CSV and store it on a separate computer, or print the list on paper and store it inside any of your reference books on your shelf. Having a boot failure shouldn't mean you can't access your critical services like banking, healthcare, email, or gov't services. The inability of requesting prescription refills because your computer won't boot can be serious.
These suggestions might not work for everybody but some of them might be helpful.