[somethingnot]

I use Windows with a Microsoft account. But none of my files are saved in their cloud.

What are you talking about? OneDrive? You don't have to use it if you don't want.

Setting? You can disable their syncing too.

[aneidon]

So what’s the point of logging in with a Microsoft account?

[somethingnot]

Because I want to sync my settings across a few computers. And I want to install Store apps. But I am not forced to.