When you are upgrading to Windows 10, one of the first screens that you see is titled "Install Windows 10". This has a paragraph explaining updates. Look below this paragraph for the link (in blue letters): "Change how Windows Setup downloads updates". Click on this link.
This brings up a screen titled "Get update, drivers and optional features." Select the "Not right now" option.
Worked for me, thanks. I have Win 8.1 Pro, on a Mic Surface (ironically). After a failed media creation tool upgrade, I ran it again from the \ESD directory it had created, then selected Not Right Now. Around 37% I heard a "device disconnect" sound from the computer, then at 73% it only stayed there for 2 seconds, then continued on. It's been continuing to install like a champ ever since. Let's hope 22H2 does not have these "updates" baked in.
Leave it to good'ol Microsoft to make updates that break things. I thought they wanted everyone to upgrade to Win 10? Not when they're making it this difficult.