Thought they did away with local accounts, or is it just buried and extremely annoying to do local only
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They are focusing on preventing local account upon setup. As long as you have Microsoft account tied, they are open to let you have as many local accounts as you want.
https://www.howtogeek.com/836157/how-to-use-windows-11-with-a-local-account/
I doubt the actual functionality will ever go away, even if they pretend it does.
This would be more acceptable if they didn't unconditionally use software encryption by default. But, nah. Microsoft is going to Microsoft and force their preferences down the consumer's throat, and there doesn't appear to be a way to upgrade it to hardware encryption without a wipe and reinstall.