"Also, there is no easy way to set up an PC account unless you have a Microsoft account as well and that might very well be a deal breaker for some."
FYI, contrary to popular belief, there is a way to set up a local account during install. It's not the default option, but it is still supported and probably always will be since business customers require local accounts.
During setup when it prompts for your existing MS account there is an option to "create a new Microsoft account" or something to that effect. If you click on that option there is actually another option within that menu to log in without a Microsoft account (i.e. use a local account). A lot of people don't see this option because of the wording, but it is there.