Here is a copy-paste from the link you provided which may interest those advanced tech-savy people like myself who has 40+ years in computers:

While casual users have no remaining simple bypasses, advanced users can still configure local accounts by editing the Windows image before installation through an unattended setup, a complex method unsuitable for most. Microsoft also added a small customization option to rename the default user folder during OOBE using the SetDefaultUserFolder.cmd command, offering limited personalization within the now mandatory online setup process.

Like Alfred E Neuman so famously said: "What, me worry?"

Not.


BIAB2025
Windows 10 Pro
WA6NCB
No Longer on a Crappy Laptop!