I may have an account I have forgotten about
But I continue to use local only. I believe they call it an “Offline Account”
On my personal Windows laptop, I use my Microsoft account (MFA'd). It makes things all around that way more convenient for me. To avoid passwords, and because I want that separated, I use Windows Hello (fingerprint or PIN). Then BitLocker (TPM 2.0+), and of course the BitLocker Startup PIN.
On my personal Linux laptop, basically the same thing as above, but SW level encryption.
I'm looking forward to trying Ubuntu's TPM-backed Full Disk Encryption soon! I haven't had time yet.