Maybe because it's Windows Pro, not Home? Maybe because I have 2 profiles. The one I used to install it which required a microsoft account, and a separate, local only account which is the one I use always. I can't remember the last time I had to use the other account. Maybe when I upgraded to Windows 11. I don't remember.
I'm not trying to excuse Microsoft. I had to go into settings and turn off everything I could find. I had to futs around to get it to stop trying to get me to install Exchange every time I pressed Win-E (or was it Win-W) which I press often because I use the same keyboard on Mac and Win-W is Cmd-W (open new Window) (A: Powertoys). So yea, I cursed that. But, I found a solution.
Other than that, so far, it stays mostly out of my way and just works. I'm hard pressed to notice too many differences. Is it because I'm on Pro? Is it because it's a local account? Is it just luck? I don't know. It only suggests that it's at least possible, so far, to use it.