Windows 10 allows you to change your password or recover it at any time if you forget it.
There are still other ways to choose a local account in Windows 11. You can set up your PC with a Microsoft account initially and then switch to a local one. You can also turn to a third-party utility ...
・To set up a passkey on your phone, use your camera app to scan a QR code. For a security key (e.g., YubiKey or Google Titan ...