Just to add, one of my golden rules for online stuff is to never use one of the ecosystem providers for my email or anything critical. I have accounts with MS,

Just to add, one of my golden rules for online stuff is to never use one of the ecosystem providers for my email or anything critical. I have accounts with MS, Google, and Apple, but my domains are elsewhere and my emails are with Fastmail. The reason is simple. There are too many tales of the ecosystem providers cutting off accounts with no reason and no recourse. If that happens I may well lose some purchases (which ought to be illegal, and I don't buy from the ecosystem providers anyway personally) but I will not be locked out of anything other than devices that need their account (iOS, Android, Azure, etc). Give one of these providers control over either your domains or your emails and you have a single point of failure for your whole online life (emails, banking, password resets, etc) and whose main concern is policing their obscure Ts & Cs for their other cloud properties. The risk is huge.