There are a couple of things to remember:
1. Most end users will not spend their time on forums and are not necessarily tech savvy so something that is easy for you and I isn't easy for everyone. They expect it to work out of the box.
2. Usability is one of the most important aspects of consumer devices. The sole reason iOS gained so much market share when it came out was because the other manufacturers were focussed on features and not on usability. They released a watered down feature set with far better usability and gained a massive market share as a result.
3. When it comes to tablet devices, users expect them to work out of the box. They don't want to install things, change settings or anything else, their first impressions start when they log onto the device for the first time so if you provide them with something that is more cumbersome, their first reaction is "This device is crap" not "What can I do to fix this". If you have a combination login (alphanumeric), the on screen keyboard is extremely cumbersome and time consuming to log in, and as I mentioned in my initial post, almost every non-tech savvy person I have come across with the surface wasn't even aware that there was a 4 digit password option, so they didn't even know to go looking in settings. Some even wanted to switch off the password because they found it so annoying and weren't aware of the easier option.
If Microsoft want to play in this area of the market and show they are serious, they have to provide a user experience that is comparable to the other devices on the market and most of those walk you through a process of setting up your device which includes the Pin. That's a simple reality of the market. It's something that's easy to change. The competitors invest an incredible amount into usability testing and improvements, and the whole purpose of Windows 10 is about improving usability.
You are blowing this pretty far out of proportion.
I've supported hundreds of everyday Joe's in my IT career, and have never even one time had someone complain to me about the difficulty of managing a password, or not having a PIN as an option.
As far as your comment at the end of point number 1, honestly, anyone that has ever bought or inherited a new device, definitely doesn't expect it to "work out of the box". Even with you citing Apple as some kind of preferable experience to Microsoft, when you fire up a new iPhone, first it's select your language, then location services, then diagnostic reports settings, then connect to WiFi, then choose Standard or Zoom view, then select a PIN, then enroll your fingerprints, then log into iTunes, then log into iCloud... THEN maybe you can get to the desktop. A much better experience for me is signing into my SP3 for the first time, with my Microsoft account, and then a big sucking sound as all my apps and settings and files are pulled down from OneDrive. So to me, it sounds like in this area at least Micrsosoft could school some other devices in the market.
Just my .02.
*Full disclosure I use an iPhone 6.