… why would I want an online account? OneDrive is (or should be) optional, and can be replaced with any other cloud storage solution (and quite frankly ought to work on normal accounts too, even if requiring an online account specifically for OD). Updating the OS evidently works without an online account. Can’t currently think of another reason for it.

So I’d get one optional feature, and in return less privacy.

You don’t vote with your wallet, you vote with your votes

You can very much vote with both.