[Nevadan]

I notice in the list of things to disable:
Disable App Access to Camera
Disable App Access to Microphone

So just to be clear, it looks to me that someone accepting Windows 10 without disabling these two items gives Microsoft remote access to their computer camera and microphone so they can view you and hear you without your knowledge. Is that correct?

[mrsmith]

It gives everybody access to them.
Of course if you want an app to have access to them, like an app for communication, you can grant access to just that app.

Confession: I DON’T KNOW JUST WHAT AN “APP” IS. I assume it’s a hipper word for program.

[usconservative]

So just to be clear, it looks to me that someone accepting Windows 10 without disabling these two items gives Microsoft remote access to their computer camera and microphone so they can view you and hear you without your knowledge. Is that correct?

That is what some people believe to be true. (I do not.)

The purpose in developing that list of services is so that those people with those concerns will know what to disable to "secure" their Windows 10 Systems.

Disabling some of those services will impact how users will interact with their computers, so disabling all the services in that list will have consequences.

For example, disabling any of the Location Awareness services will mean for example:

"Cortana, I'm hungry. Show me all the restaurants in my area" will not work well.

"Cortana, I'm hungry. Show me all the restaurants in Chicago Illinois" will work.

Similarly, using Bing to show all restaurants near you will not work.

Using Bing to show all the restaurants in your zipcode or City will.