I'm trying now to figure out how to create a new account AND migrate my current setting to it. MS doesn't want that to be easy.
Migrating settings, no,you'll have to do that again. It could well be one of some tweak you've made that caused the problem, so be careful.
But here's how to set up account and move your data
FROM OLD ACCOUNT
1. AS a precaution, Turn off device encryption if it is currently on. If device encryption is not available on your device, turn off standard Bitlocker.
Turn On or Off Device Encryption in Windows 11 Tutorial
Turn Off BitLocker for Drive in Windows 11 Tutorial
2. C
reate a new local account
Settings>Accounts>Scroll down and click on
Other Users.
Select
add account>select
I don't have this person's signin information
In user name box name the account.
Very Important- Make the new user an administrator. To the right of the new user name click down arrow. Select
Change account type.
Click arrow to right of standard user and select
Administrator.
1. While still logged into old account COPY & PASTE (NOT MOVE) any of your personal files that are not already on the external drive. You only mentioned photos so this would include any documents, music, downloads, and desktop shortcuts
2. unlink Onedrive.
Unlink Account and PC from OneDrive in Windows 11 Tutorial
3. Restart computer.
On signin screen you will see 2 accounts. Select the NEW ACCOUNT name and it will ask you to set up a a password and password hints. Also answer all the other setup option questions.
Your new desktop will be created.
COPY and PASTE the files you saved to the external media that you want in the personal folders of your new account.
Once everything is correct in new account, delete the old account. Settings>Accounts>Other Users>Click the down arrow next to your old account name and click Remove.
At any time you can change the new local account to a MS account if you wish, as well as turn on OneDrive Folder Backup Sync if you choose. If you want bitlocker or device encryption on, you can do that too. Note: if you use Home, it is device encryption. Pro uses standard bitlocker. If you use device encryption in Home, it encrypts ALL your drives that you connect.
Also note, even once you unlink the PC from onedrive, your current files are still stored in Onedrive on the web until you remove them.
Sign in - Microsoft OneDrive