On Pro you can select English (World) as the region and you don’t get Windows Store and other crap installed. Just a nice clean Windows install. Haven’t got a Home ISO to spin up a VM to test if that skips the online account creation/login though but I’ll suspect it does.

Yup, but only within 10 days of upgrade according to Microsofts guide below. I’m not sure if that’s changed over the last couple of years.

https://answers.microsoft.com/en-us/windows/forum/all/downgrade-from-windows-11-to-windows-10/84a2416d-ccfb-4d87-9eee-e1056591e91f