[noxer]

Still cost you nothing at all since you can stay on win10 home for as long as you want or basically for as long as your hardware does work for you. If you buy new hardware with windows 11 on it you pay for it but that would be exactly the same if the new hardware would come with win10. And it perfectly reasonable since the license is for the hardware and new hardware needs a new license. There is still no additional cost anywhere as upgrade is entirely free AND optional.

Beside that Windows 10 Home "requires" an account too since the May 2019 update but it can be bypassed and so can the account "requirement" to install windows 11 home, its all just one search away for the people who care. Most dont but that's another topic.