Computer Help and Support

next to the start menu and type in account, the top listing should be account management, clicking on that it will take you to the account settings. You should see a line there that says sign in with a local account instead, click on it and follow the prompts.

That will return you to a local account.

Using a microsoft account does have it's advantages and you can turn all the services you mentioned off but if you just want to revert to a local account without the hassle of trying to figure out how to turn off the things you don't want to use just change back to a local account.