The average user you describe doesn’t care if they have to login using a Microsoft account, and probably need to do so anyway if they have any Xbox content or a

The average user you describe doesn’t care if they have to login using a Microsoft account, and probably need to do so anyway if they have any Xbox content or a Microsoft 365 license. Mac computers are the same way. While macOS lets you use the system without an Apple ID, you’d be hard pressed to find a consumer user who isn’t logged in for one reason or another, whether it’s the Mac App Store or iCloud Photos or something like that.