As someone in Europe,

• I still have AI in paint (to create images), but I think it’s opt-in
• I don’t have Copilot, but I think it’s integrated to Microsoft Edge (but you can uninstall it)
• I still have onedrive by default, but you can also uninstall it
• I don’t have recall (or maybe I do but it’s disabled, either way I can’t open it)
• Microsoft still pushes you super hard to use an account

So here’s what to expect if you manage to change your region. I have no idea on how to do that however.