The download itself is called ISO so I believe I need to create an actual ISO of the files next. Any suggestions on a current, bloatware-free utility for windows 10 that I could use?

For that, you must have the ISO file to create bootable USB media for Windows. Now, let’s assume that you already have some ISO files of Windows, but you do not know the version or edition.

Windows 11 is available to download as an .ISO file. You might want a drink before you start, though.