You forgot the mandatory MSFT accounts to sign in with no way around last I checked (a few months ago).
(This is just a vague recollection from last time I installed Windows, might be wrong)
https://www.windowscentral.com/how-set-windows-11-without-mi...
Using "no@thankyou.com" for your Microsoft account (and any made up value for the password) allows you to skip this requirement in any version of 10/11 as someone got that account banned and the Microsoft workflow bails out since they naturally don't want to force onboard a banned user to a new account. This still requires internet during install though, it just works around needing to make an actual account.
It's a shame how much of a dance the install process has become.