Do I have to have a Microsoft Account to Run Windows 10?

Dianne bought a laptop with an i7 processor. Should she have gotten an i9? Leo says that the i7 is overkill for people who do what Dianne does, which is surf the net, email, etc. So an i9 would be REALLY overkill. For what Dianne does, an i9 wouldn't be of any benefit to her. It's more for video editing, graphic design, heavy computational stuff. 

Does Dianne have to set up a Microsoft account? She doesn't want one if she activates Windows. Leo says you don't have to create a Microsoft account at all. There's an option to use a "local account," or a regular windows user account. You can always attach one later.