Yes, I have some regret in succumbing to MS log in, but I sold a spare hi spec PC to a friend with a legal 8.1 to W10 upgrade. All was fine until I reset it to sell and it wanted a key. I didn't have one. Lenovo wouldn't play ball and the only way seemed to be to go via an MS account. This worked, and according to HowTo Geek, should have been okay for friend. However, she's still using my log in cos we've never had time to get her set up with her account. Absolute mess.
When I've recovered from the trauma of the last few days, I'll obliterate Skype from the laptop and reload from an old copy of Classic. The trouble is, I can't remember where the bookmark file lies. A kind member here told me, but while I'm remembering my entire life in minute detail, I seem to let things like that slip. Perhaps Search in Pprune computer section will reveal it as I don't post much these days so should be findable. Anyone know? .vcf files, that is.