Here’s a review of the process and challenges for “removing S mode without a Microsoft account,” based on common user experiences: Possible, but not straightforward – and Microsoft really pushes the account route
If you absolutely refuse to use a Microsoft account (even temporarily), expect to do a clean OS reinstall. For most users, it’s easier to sign in once, remove S mode, then switch back to a local account – but that wasn’t the question. So yes, possible, but impractical for non-tech-savvy users. remove s mode without microsoft account
⭐⭐☆☆☆ (2/5 – for the hoops you have to jump through) Here’s a review of the process and challenges