neowin[.]net/news/microsoft-posts-official-guide-on-windows-local-account-recovery-with-password-reset-disk/
support.microsoft[.]com/en-us/windows/create-a-password-reset-disk-for-a-local-account-in-windows-9a54a5ca-27bc-de72-244a-27b7d62951de
neowin[.]net/news/microsoft-posts-guide-for-resetting-windows-microsoft-account-and-local-account-passwords/
support.microsoft[.]com/en-us/windows/change-or-reset-your-password-8271d17c-9f9e-443f-835a-8318c8f68b9c
The most useful part is directions on creating a reset disk if you use a local, non-Microsoft account.
Here are the steps to create a password reset disk.Make sure you're signed in with your local account. This option isn't available for Microsoft accounts
Plug a USB flash drive into your device
In the search box on the taskbar, type Control Panel, and then choose it from the list of results
In the Control Panel search box, type create password reset
Select Create a password reset disk, and follow the remaining instructions
When you're finished, remove the USB flash drive and keep it in a safe place
Otherwise things are a bit vague -- at the login screen select "I forgot my password" and follow the directions. A couple of years ago when I lost access to my main email addresses [Spectrum screwed up] I updated my Windows accounts using new emails & created new account recovery keys. Since Microsoft didn't mention those in their directions I Googled, and found almost nothing (?). While you can still create one from your Microsoft account page, there's barely any info there either.
answers.microsoft[.]com/en-us/windows/forum/all/account-recovery-code/29827e9a-3d10-430f-9763-d82032b90c6b