Using a Microsoft account vs local account for Windows 10
I have used Windows 10 with both a local and a Microsoft account, and the only "benefit" is that you don't have to type in your username and password for Microsoft programs like Skype and OneDrive. However, maybe you don't want to always be logged into those programs, and so maybe that isn't a benefit to you at all. Plus, if you do want to always be logged into those programs, then you could just log into them and not log out of them with a local account.
At the same time, a serious downside to using a Microsoft account to log into Windows 10 is that the amount of data Microsoft harvests from you is ramped up while using a Microsoft account, and the data that is harvested from you is tagged with even more personal identifiers than data that is harvested while using a local account.
Also, using a Microsoft account results in your Windows user folder being named being some dumb and messy abbreviation of what your Windows account name is, such as maybe "kujo-6", or if using my LTT name it would be something like "delic-8". Whereas using a local account will result in your Windows profile folder being named exactly what your Windows account name is: "KuJoe", or "Delicieuxz" - and so a local account keeps Windows profile folders better organized, cleaner-looking, and more satisfying, IMO.
So, overall, there are no benefits to using a Microsoft account, only the downsides of messy system account folder naming, reduced privacy,more data-harvesting activity, and the data that is harvested with a Microsoft account including even more personal details than the data that's harvested with a local account. Using an MS account with Windows 10 is purely a for-Microsoft thing, as it benefits Microsoft hugely with no detectable benefit to and only giveaways from the system owner.
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