Henk is right about this, and there is much confusion about the 2 new Account types in W10. We've been answering questions on this for over 2 years now. Probably what you also need to understand is that
BOTH the Local Login and the Microsoft Account Logins are almost identical--the main difference is that when you login to your W10 desktop with the Local Login account, you are
EXCLUDED from accessing
ALL content in the Microsoft Universe of the Things. For example, no access to the Microsoft Apps Store where you can download free or fee-based media and apps. You're also excluded from Xbox gaming sites and apps within the Xbox landscape. And, built-in Cloud storage apps such as Microsoft One-Drive do not sync correctly between multiple W10 PCs on your home network correctly.
There are more differences, don't want to bore you to death, but you get the picture.
Back when W10 Preview first came out in 2014 I experimented with these accounts on many computers, to understand how they worked and what their limitations were. One of the articles I read on the Internet mentioned the fact that if you don't wish to access
ANY Microsoft features as I mention above, you can simply use the Local Login feature. Which still provides you with full Internet features to all websites on the Internet and even Cloud storage and backup; just not using Microsoft apps; other 3rd party apps still work for the most part. His astute comment sums it up well. Customers of mine when they buy a new W10 computer and have me out to their house to teach them how to use it, this is often misunderstood, and it often takes me 2 or 3 times to explain it to them so they can understand it.
There is also the issue of using identical passwords as Henk alludes to. I have tried both methods, that is using a
DIFFERENT password for my Local Login account than my Microsoft Account Login, and that seems to create more problems than using 2 identical passwords for both of your Accounts on your PC. This I determined experimentally by using the 8-W10 machines I am running here along with a dozen or more Customer W10 computers. Of course, it's your computer and you can do whatever you want. I'm simply relaying what I've experienced and learned about how these 2 accounts actually work on a variety of makes/models of computers and mobile devices.
Hope that provides some further insight for you.
Kudos on the explanation, Henk!
Best,
<<<BIGBEARJEDI>>>