How do I make windows on a lumia store my contacts on the handset only! not on hotmail, not on fb, not on twitter, not on anything other than my handset.
This is not possible. It's a nice idea that your contacts are synced with your Microsoft account. Imagine once you are in a circumstance where you have to reset/lost your phone. You can still get your contacts from Microsoft account.
As somebody who fulfills phone warranties daily as part of his job, I beg you not to save anything locally on the phone. Especially when it is so easy to keep them saved to your account!