Most users have no clue, lose passwords, security is not something they think about at all. So arguably for these people setting up with an account, having them pay for 365, all their files are encrypted at least and backed up to OneDrive automatically, no user setup required. The whole ordeal is actually pretty sleek for people that just want to use their computer to sync their photos, browse the web and watch some videos. The Microsoft authenticator can store passwords, edge syncs everything.. they even have a solution for syncing the co plete config of your windows to a second device.. you log in and it's exactly like my other PC.

I helped plenty of people migrate to their new laptop like this. I go through checking the setup on their old PC.. everything is synced and done. Advise them on the new laptop they buy, and the new one is setup in under 15 minutes.. no hassle at all.