Something I've learned in the past 15yrs dealing with computers...when something is "free" YOU are the product. Your info is being sold. Now some people may not have an issue with that but when you run a business from a computer it becomes very important. Windows 10 is a huge spyware package, yes you can change all those settings BUT by the time you do that it's too late "no file left behind" Windows 10 already has everything they wanted, why do you think they are set to "on" as default?. Yes Windows 10 is free, but how long before you get a bill for a service pack that must be installed or Windows will cease to operate?
Paranoid? maybe. Experienced? Yes.