as soon as the BIOS loaded and showed the time, it was “wrong” because it was in UTC
Because you don’t use Windows. Windows by default stores local time, not UTC, to the RTC. This behavior can be overriden with a registry tweak. Some Linux distro installer disks (at least Ubuntu and Fedora, maybe others) will try to detect if your system has an existing Windows install and mimicks this behavior if one exists (equivalent to timedatectl set-local-rtc 1) and otherwise defaults to storing UTC, which is the more sane choice.
Storing localtime on a computer that has more than one bootable OS becomes a particularly noticable problem in regions that observe DST, because each OS will try to change the RTC by one hour on its first boot after the time change.