I use a Microsoft account and OneDrive, but when I set up a new machine, I always create a local account first and then later connect it to my Microsoft account

I use a Microsoft account and OneDrive, but when I set up a new machine, I always create a local account first and then later connect it to my Microsoft account. The reason I do it this way is so I can choose my own home directory name. I want it to be C:\Users\Mike, not something based on my email address.