Hi Tasha,
As you may know, Ireland is part of the EU. In the EU, Microsoft provides extended security updates at no cost due to regulations.
Here is a supporting document from an year ago - 2027 is also covered in it.
"We are pleased to learn that Microsoft will provide a no-cost Extended Security Updates (ESU) option for Windows 10 consumer users in the European Economic Area (EEA). We are also glad this option will not require users to back up settings, apps, or credentials, or use Microsoft Rewards."
So you can safely switch to Local account, and you will continue getting updates.
I hope this information helps. If you have any more questions, don't hesitate to reach out. Wishing you good luck!
Standard 3rd party link disclaimer:
There may be links to non-Microsoft websites that provide accurate and safe information. Watch out for ads on websites frequently classified as PUP (Potentially Unwanted Products). There is no need to buy paid products to fix your computers, as they sometimes do more harm than good.