This is certainly quite the dilemma, because I have a "M365 Copilot" account as the web sign-in has now re-branded it, but I very much do NOT want it tied to my desktop. I've lost access to several infrequently-accessed Microsoft accounts over the years (I think under a different branding each time), so I don't really want to sign in, tie my key to it, then delete the account off my computer and forget about it until I need that key again... assuming that once the online account grabs my key, the retail box I have on the shelf with a card inside it becomes useless. And I'm certainly not going to leave it logged in, because I want nothing of the "features" it offers.
Also, one of my relatives created a Microsoft account when setting up their new computer because Microsoft told them to, and that computer has consistently been the WORST system to work on, to the point where I've very nearly thrown my hands up and said "I'm not doing this one, you're on your own".