The average consumer doesn’t know what NTFS or FAT32 is. I don’t think they’ll understand the privacy implications of Windows reporting.

Not tried in a while but it used to just be a case of leaving it disconnected from the net during setup.

Failing that you can still sign up with a throwaway account and convert it to local in the options after installation iirc. It’s not ideal but it’s still something at least.

your average consumer

People aren’t “consumers” A consumer is a gaping maw that eats everything until there’s nothing left.

People are people. They’re home users, they’re customers, they’re clients, they’re citizens, they’re legal residents. But they are not now or will they ever be “consumers”