@dashrender or just don't install Windows 11 Home if you don't plan to give Microsoft more insight into your personal habits.
This in my opinion makes little sense to work around from an end user or implementator standpoint.
With the online account you get better integration to backup systems (OneDrive).which for a home user is a pretty important feature. Among other features.
If you simply don't want these features for.a home device, why bother with Windows 11 at all?
If not already, not a practical thing for a typical home buyer buying a new computer today, because Win 11 comes on the computer.
But you're right - those people likely are better off using those services than not. God know if they buy a mac they are buying into that ecosystem - if they buy a chromebook, they are buying into that ecosystem.... so it's not really any different.
None the less - not many home users are surfing ML - and those that are should be able to find answer like this.