Hi Mello Man,
Welcome to Microsoft Community.
I can understand your confusion.
Based on the information you provide and my understanding.
You seem to be trying to create a password reset disk?
You mentioned "cannot retrieve the password to my computer's Windows account.".
Does it mean a local account?
Password reset disk is for local accounts, not Microsoft accounts.
Microsoft account information is not explicitly associated with this feature.

For your situation, you may need to consider implementing In-place Upgrade or Clean Install.
Before providing the method, I think I need to confirm your wishes to avoid inducing more problems after performing that operation.
Besides, you can try Safe Mode to see if you can enable the Built-in Administrator.
For more information, please refer to the following links.
Looking forward to your response.
If there is anything not clear, please do not hesitate to let me know.
Best Regards,
Kyo - MSFT | Microsoft Community Support Specialist