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[WIN10] Microsoft Account?

So I'm reading up on this local acct vs MS acct stuff for Win10. (I'm on Win7 now.) Reading this, it seems the central difference is you need an MS acct for the "Windows Store". So what? Is there anything actual must-have in this Windows Store? Note that I do not own a Surface or any other Windows tablet, and certainly don't have a Windows phone. This is for my desktop, which of course doesn't have a touchscreen. Opinions/advice appreciated.

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