This. Because user stories aren't: "I want to access my Office365 work account" or "I want to access my personal Microsoft account". They're: "I want to edit

This. Because user stories aren't: "I want to access my Office365 work account" or "I want to access my personal Microsoft account". They're: "I want to edit or download a file I have access to in the Microsoft cloud" or "I want to find a file I have access to".