Unable to turn off iCloud for reminders without losing reminders on hard drive (Sonoma)

I would like to keep my reminders (and calendar for that matter) saved strictly on my hard drive. When I turn off Settings > Internet Accounts > Apps Using iCloud > Reminder: switch off radio button) my reminders disappear from Reminders and Calendar. I get no prompts to keep local copy or anything like that.

I've tried signing in-out of my Mac Apple ID, restarting, updating MacOS, turning on Calendar (which I do not use) and seeing if restoring calendar/reminders would work.

Within "Apps Using iCloud" only Find My Mac, KeyChain, and Reminders is turned on.

My main account (the one I am referring to here) is a Standard Account and the one in which I signed into with my Apple ID. (My Admin does not have an Apple ID associated with it.)

I have both a Time Machine backup and a full backup of my home folder /~

OS: Sonoma 14.7

Reminders 7.0

Any ideas on how to start diagnosing? Any insight would be much appreciated.

Also: where are Reminders saved in Library nowadays? Could I simply turn off Settings > Internet Accounts > Apps Using iCloud > Reminders and copy from Time Machine/my full home folder backup?