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Local vs MS account?


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Have many friends telling me I should only use a local account on Windows 10, claiming that it helps with privacy. I'm not that worried about my privacy but it got me wondering, what are the advantages and disadvantages of using a local account vs a MS account. I know you can still use OneDrive on a local account, and I only use Cortana for PC searches. Did a google search and I got a lot of BS answers from paranoid people and hard hardcore MS fan boys. Sorry if this has been asked before but until now I really never thought about it.

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