Hello Steven,
Thank you for sharing the details of your experience with the prompts you are seeing when trying to sign in I understand how confusing it can feel when you are asked to set up new sign-in options especially when you prefer not to use external devices or biometric features. The reason you are seeing these prompts is that Microsoft is encouraging users to move toward passwordless sign-in methods for improved security but you are not required to purchase any equipment to continue using your account.
A practical resolution is to set up a Windows Hello PIN that is stored locally on your computer and does not rely on a smartphone, fingerprint reader or USB device. This PIN is tied to your device and secured by the Trusted Platform Module which ensures that it remains safe and accessible only on your computer. You can configure this by going to Settings, selecting Accounts, then Sign-in options and choosing Windows Hello PIN to add your preferred code.
Would you like me to guide you step by step through the setup process so you feel more confident moving forward?
I hope this answer is helpful if you have further questions feel free to reply back
Regards,
Marcelo