Let me show you why $R=\mathbb{C}[X,Y]/(XY)$ can't be isomorphic with a direct product of two (or more) rings.
Assume the contrary and look at the idempotents of both rings. A direct product of two (or more) rings has nontrivial (that is, different from $0,1$) idempotents (for instance, $(1,0,\dots)$) while $R$ don't. Write $R=\mathbb C[x,y]$ with $xy=0$ and let $f(x,y)\in R$ an idempotent. We get $f^2(X,Y)-f(X,Y)\in(XY)$, so $XY\mid f(X,Y)[f(X,Y)-1].$ Since $X$ and $Y$ are prime elements we have $X\mid f$ or $X\mid f-1$, and analogously for $Y$. I claim that $XY\mid f$ or $XY\mid f-1$. Consider the following situation: $X\mid f$ and $Y\mid f-1$, that is, $f=Xf_1$ and $f=1+Yf_2$. Then $Xf_1=1+Yf_2$ and now send $X$ and $Y$ to $0$ in order to obtain a contradiction. (The other case, $X\mid f-1$ and $Y\mid f$ can be discarded by the same argument.) If $XY\mid f(X,Y)$ we have $f(x,y)=0$ while $XY\mid f(X,Y)-1$ we get $f(x,y)=1$, and we are done.