And what happens to you when the auth to the server stops or is down for hours?? Do you get locked out? Stranded? What about a BSOD? What happens when you need

And what happens to you when the auth to the server stops or is down for hours?? Do you get locked out? Stranded? What about a BSOD? What happens when you need to travel and you have no coverage? I like tech, but when MS is evolved I will not put my trust in them.