You misunderstand what win10 is doing..
Upon loading win10, you now have a MS cloud account. That account is accessed via your Microsoft windows password you created.
You computers OS is now all functionally based on the cloud account..
At first your login changed to the windows password...At some point when the OS is certain that you are the user (primary administrator) it will allow you to substitute that password for a 4 digit code or PIN.
You can then login with 4 numbers..
It’s the dumbest idea for an OS, ever. Anyway, I reversed it out, and now I can log in locally again. I also whacked the MS account login.
As for the ‘cloud’, I don’t think I’m storing anything there. I don’t back up to it, and I don’t use any apps that are cloud based.
Cloud-based Office was a shark-jumper for me. I’m stuck on 2010.
Nobody has yet made a convincing case to me why the cloud is better for the home computer user. All I see is a massive “Come take every single piece of data I’ve ever created” sign on the front door of my house.