@fincoder
You've actually unintentionally hit upon one of the reasons I do really prefer MS-Account linked Win10 user accounts: Ease of resetting passwords.
The PIN option really makes a second login option easy. I also say, and others will disagree, that I don't find the Windows-required password features in any way onerous. The method I teach,
The Portmanteau Method of Creating Passwords, results in passwords far longer, and far more memorable for the individual, than any built-in password requirements I'm aware of, including Microsofts. Length is king when it comes to password strength if someone doesn't pick something that's simple for someone with nothing but cursory information about you to reconstruct. I want people to use long passwords that are simple for them to remember, but very difficult indeed for anyone else to guess. And a consistent construction method, or several variants, do just that.
The ability to easily reset forgotten passwords via the "forgot password" process on the Microsoft Account, and have that propagate down to the linked Windows user account, has saved several of my clients' bacon on several occasions. I also find the linking of licenses to a Microsoft Account, which is for the most part fully automatic when using a MS-Account-linked Win10 user account to be invaluable. Again, I've had clients lose these, but not need them for a later reinstall, because they're a part of their account.
I consider the Microsoft Account itself a sort of license and password manager in the cloud. And given how often I've had clients need to recover one, the other, or both, it's well worth linking together their Windows user account and their Microsoft Account. All the more so since you can do everything a local account can when there is no internet connectivity.
As the old saying goes, your mileage may vary. What I consider to be of great advantage you may not.