Thank you for your answer @GsN5034 - IA ,
Unfortunately, I've only put in an alternate email address, to which Microsoft refuses to mail a code to login (I only have 1 other address, so I'm sure I put the correct one). I therefore still cannot login. It also seems I have made an online account, even though I would never consciously make it so I cannot unlock my PC without being connected to the internet.
I guess I'll finally have to switch to Linux. At least they let you choose which malware and other nonsense you install, and Linus protects their code base from AI generated garbage.
Thank you again for your help and time though, I truly appreciate it.