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Hmm. I save all documents and exit out of all important apps (Visual Studio, Word, etc.) before I leave for the day. The same thing happens at home when I'm done with the laptop for the evening. Both of these help ensure that power loss crashes are less likely to bork an open file. They also allow my automated nightly backups unfettered access.
This lets my Microsoft Updates run wild and free, just like nature intended.
That really plays havoc when editing documents on Sharepoint. Some of mine have several hundred versions because I've been well trained by MS tools to save at every pause. Its so ingrained its like breathing -- I do it without consciously knowing I'm doing it.
I have found that the group policy for Windows Update: “No auto-restart with logged on users for scheduled automatic updates” does still work for Win 10 if the policy “Configure Automatic Updates” is configured to perform scheduled installations of updates (Option 4). I have it set up this way and users are notified and can choose to reboot, schedule the reboot, or even ignore. The update policies can be confusing and contradict each other so configure as few of these policies as possible.
I suspect there's a fail safe built into Windows 10, because my experience is that if you manage to stop Windows 10 updates for long enough, eventually your PC will spontaneously crash, and when it comes back, Windows 10 updates will be re-enabled.
Took about 6 months as I recall. So, if you periodically do manual updates, you should be good.