To avoid having to set up the MS Account and having it abbreviate the first five letters of the MS Account email address to use as Account Profile folder name, set up a Local Account during setup which you can later convert in Windows Settings > Accounts > Your Info > Sign in with a Microsoft Account Instead.
To create a Local Account during setup after Version 1903 removed this ability, disconnect from the internet when you get to that step so it offers the choice, as shown here: https://www.howtogeek.com/442609/confirmed-wind...
You can then click “Skip” to skip the Microsoft account creation process and the next screen will let you choose a Local Account. and name your User folder anything you want. Then as soon as you get into Windows you can change to a MS Account as I wrote above..
I hope this is what you want because it wasn't made clear at all - if not then please explain more fully. I also asked you to wait to rate whether my post resolved your problem until after I had the chance to fully help you. Now I have a bad rating on the thread, and no one else will pick it up due to this.