"Windows 10 recently updated and is no nagging me about finalizing their cloud account. I need to shut that nag down"

I have Windows 10, and they don't nag me about a cloud account.  But then again, I don't have an IPAD either. I don't know if that makes a difference.  I am kinda like you - I don't want to use a cloud account if I can help.

When you get that message, do you see a little message somewhere on that page that says something like "Do not ask again." If so, I would click on it, and I think they will quit bugging you about finalizing a cloud account.  I would look for that message next time they bug you.

There might be something that you are using that requires a cloud - I don't know. All I can say is I have Windows 10, don't have a cloud account, and I don't get bugged about it.