The trick to that one is to never create or use a Microsoft account. They make it very hard to create a local Windows user account that exists only on your mach

The trick to that one is to never create or use a Microsoft account. They make it very hard to create a local Windows user account that exists only on your machine, and they tempt you into migrating your local account to a cloud based account, but it's very straightforward to never supply the email and password for a Microsoft account. Uninstalling OneDrive every time they re-install it is annoying but also pretty simple.