It's still possible to install Windows 11 with a local account and bypassing some hardware requirements using Rufus (first thing you should do after buying a computer with a preinstalled version of Windows 11: wipe it and replace it with a version from MS), or to switch from a remote account to a local account after the classic installation. Moreoever, for a few bucks, you can buy a licence for Office 2024 or so from a licence broker, which runs on your computer, not in the cloud.
But yes, this is not a solution for Mr or Ms everybody...