Big Al wrote in :
The windows 10 site
https://www.microsoft.com/en-us/soft.../windows10ISO/
will make the USB drive if you wish without finding special software.
You can still plug it in and run setup from there I would guess.
Don't download the upgrade as an ISO, or you will still have the problem of
opening the ISO to run setup.exe. I believe that one of the options when
creating a USB drive is to just load all the files, and not encapsulating
them in an ISO.