The best thing about Win10 reaching EOL is not being at the mercy of Windows Update any more. It was by far the biggest risk to having a functioning system.
Which means next time I have something to do on Windows that in reality takes ~30 seconds once I'm in, it'll instead take 15 minutes because Windows decides that my time is worth nothing to them.
Add in that I use Windows maybe once a month or something, and every single experience with using Windows for me is this fucked up process of time wasting.
I don't even mind making an MS account, I have one, just don't want Windows using that account and thus constantly freaking out about stuff like "you haven't enabled 3-factor auth." For all I know could also lock me out one day like they did with Minecraft.