Marvin, I do not use Cortana myself but have set it up on Windows 10 for various clients. In my opinion it's an amazing tool if it's something you've been looking for. Anyone who's been using Siri on an Apple platform should be just as happy or happier with Cortana on the Win10 platform. One of the things I actually really don't like is that Cortana is bound to Bing for doing web searching, if you have Cortana include web results, and I've never cared for Bing.
I'm not quite sure what you mean about the Cortana accounts. For everyone I've worked with who is logging in to Windows 10 using a Microsoft account login Cortana simply works, whether by having to click on the microphone icon to activate her or using the "Hey Cortana" setting to make her wake up when you say that phrase. If you are logging in to Windows using a local account I'll bet that's what's making Cortana request login information for a Microsoft account so that the profile that she has to build (and keeps partially in the cloud, anyway) and that Bing keeps are both linked together via that Microsoft account. If that's the case you can always change your account to log in using a Microsoft account rather than a local account. Brian
