Sheila Harris set up a new Windows 10 PC, and realized afterwards that she set it up with a Microsoft account. That’s not what she wanted.
Microsoft really wants the user account on your Windows 10 PC to match up with your account on the company’s cloud-based service. The company therefore made the Microsoft account the default. But you can decouple the account on your PC from the one on Microsoft’s servers.
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But should you? With a Microsoft account, settings you change on one computer can carry over to others. You have an immediate, automatic connection to OneDrive. And you don’t have to type in your password every time you download an app from the Microsoft Store.