You are disagreeing and then saying totally correct other thing that I also agree with.
Yes, the inverted cursor themes are installed in every Windows, they are not enabled by default, you have to go to options and enable them, which is a part of customizing your installation to your needs.
This is definitively not a default Windows mouse pointer and neither will be in any other environment, you have to customize it.
Do you just want black pointer with white border or white pointer with a black pointer? What’s the issue?
Or maybe a feature like in KDE or MacOS that shaking the mouse makes the pointer extremely large for a brief moment?
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