Using an alternate password for Windows 10 account linked to live

Or how do I disconnect my live account from my user on Windows and use a standard local login?

You can disconnect a local profile connected to a Microsoft Account through the following actions.

  1. Launch the Settings application.
  2. Click on Accounts

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  1. Click Sign in with a local account instead.

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  1. Follow on screen prompts and specify a local username to be created.

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  1. Done

Is there any way to change the password without changing my live password?

Alternatively, you can use Windows Hello, Pin, or Picture password

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Is there any way to change the password without changing my live password?

Set up a PIN under "Sign-in options". Recent Windows versions no longer require the PIN to be numerical, so it can fully act as a local password.