This is a thing that annoys me and it's not just Microsoft doing this: there's never a "No" button, it's always "Not now" or "Maybe later". As if i'm going to reconsider. As if it's an honest offer worth thinking about and not a pop-up.
With the current Windows 11 installer this doesn't work anymore.
But you can download the ISO, use Rufus to create a USB boot stick and disable all the requirements (account, RAM, TPM, CPU generation) in Rufus' options. Also lets you auto-deny all telemetry options and create a user account without prompting.
I guess "no" implies "this is your only chance to permanently decide".
"Remind me later" is obviously going to be an annoying reminder.
"Maybe later" or "Not now" indicates it can be changed later, but might also come with annoying reminders.
This is what life is like for women. So many men are taught to not take "no" for an answer, and just keep pressuring her, waiting for her to wear down and give in.