Also, for the record, I never saw any attempt at a forced upgrade across three different machines... even though I made no attempt to block them. This makes me doubtful about "forced upgrade" stories.
Hoever, even if someone correctly claimed that they were forced to upgrade and didn't, along the way, accept the Windows 10 terms and conditions, it was dead easy to roll back to the previous OS. Far easier, in fact, than coping with a ransomware attack.