Hi bob3160,
There should always be a balance for every individual user. I certainly would not do irresponsible tweaking like you block Windows Update, Windows Defender an the Microsoft Malicious Software Removal Tool (MSRT), just to take the extra, extra most invasive aspects out. Now for every account they know all of your other accounts on all your peripherals and even all on the device becomes predictive. We see cases now that users are traced through their Twitter, Facebook accounts and hold responsible for their utterings. In a free society that is not a major problem, but whenever that changes...

Good Cortana has not arrived in Europe, at the other side of the Atlantic people are just more lenient about disclosing personal information than we are here, but there is also a difference per culture or country.
polonus