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Should you use a local account? (or your Microsoft account?) - By Ed Bott (TechRepublic Microsoft Weekly 2019-10-11)
When you set up a new PC for your personal use, one of the most important choices you have to make is what kind of account to set up. Many longtime Windows users instinctively prefer a traditional local account over a Microsoft account, on the theory that anything stored in the cloud must be less secure.
I understand that instinct, but I also strongly recommend that you use a Microsoft account, which is, paradoxically, more secure.
For starters, you can easily recover from a forgotten password using a Microsoft account. You can also retrieve a BitLocker recovery key (just sign in at microsoft.com/recoverykey), which can prevent your encrypted data from being irretrievably lost to hardware or software glitches. A Microsoft account (or an Azure AD account) is also a requirement to use Windows Hello biometric authentication.
If you're concerned about privacy, one easy solution is to create a new email address for a Microsoft account when you set up a new PC, and then use that address only for signing on. Don't link it to your real email address, and don't use it for online services. In that configuration, you get all the advantages of online backup without having to worry about your personal data.

Rename user - C:\Users\UserName