Babowa,
I think you may have missed the main thrust of my earlier posts - apologies if I wasn't clear: "Just downloading..." the El Capitan installer is exactly what I'm trying to do, but Apple is preventing me from doing so due to its restrictive OS policy. My computer came with El Cap pre-installed so I've never downloaded it before. I did not know until recently that Apple's policy was so restrictive, and I only learned recently that the installer is needed to create a boot disc. In short, Apple won't let me download the El Capitan installer onto my computer.
Having come from a Leopard OS, and not owning a smartphone, even concepts like the App Store are relatively new to me. Now that I know about these restrictions, I have made a point of downloading and keeping Sierra and High Sierra, which can still be found, but I can't find any lawful copy of the El Cap installer that Apple will allow to be downloaded onto my iMac. The only other Apple computer I have access to is my old G4 iMac and that has no way of accessing the App Store that I know of, and even if it could, I imagine the App Store wouldn't allow the download on the basis that the G4 iMac couldn't run it.
And yes, I'm well aware of the laws concerning downloading OSs, but since it's Apple itself preventing me downloading a lawful copy of its own free software on my iMac, I'm afraid I feel no guilt about looking elsewhere for a copy. Though of course, any such software obtained via a third party site has to be treated with caution and, like you, given the choice I also would avoid like the plague, hence my earlier comment that I'd have to be "...really desperate to use it." But the fact is that Apple has taken that choice away from me by not allowing me to download an installer copy of the OS I'm currently using.