I recently bought an OEM Windows 10 system for personal use and the hard drive crashed. At first I ran into the "can't reinstall on a new drive" issue but I was able to work around that with a third party app that allowed me to install a fresh iso on a USB hard drive. And then to use another app that allowed me to clone the USB install into a new (internal) SSD.

I also tried Ubuntu on the same system but (among other niggling problems) i couldn't get the ATI graphics drivers to work.