@sswilson can you clarify? Most people are running the OOBE without a network cable plugged in and that was sufficient. Just keep in mind you need to skip the WIFI connect portion if applicable, otherwise you'll get stuck again.
I've heard some people say with 20H2 they've made it even harder to get around using a local account during installation. Most things I've seen suggest using a "fake" email address so that it fails and then you get the option to do local.
I'll have to do some testing to make sure the Autounattend.xml still works
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