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I became aware that the 2004 version of Windows 10 became available beginning of June. So I downloaded the install tool and decided to make a clean install of the new version. Re-partitioned and formatted the system disk and did a fresh, clean install. It went without any significant issues.
Once everything was up and running I decided to save my bank account and other financial institutions' credentials. Since the machine is my desktop that I am not likely to lose, I always let Windows save my login credentials for all sites, so I don't need to enter it every time. To my surprise I discovered that the new, clean install already knew my passwords, etc. for all sites, including bank accounts.
The previous (1909) install must have uploaded my saved credentials to Microsoft, possibly in preparation for synching it across my devices, which I don't need. So Microsoft downloaded my credentials to the new install. Having my secret credentials living on some external MS server is a little disconcerting!
I thought most of those installations went down on the Titanic...
Anything that is unrelated to elephants is irrelephant Anonymous - The problem with quotes on the internet is that you can never tell if they're genuine Winston Churchill, 1944 - Never argue with a fool. Onlookers may not be able to tell the difference. Mark Twain
Keep in mind that it may upload any website credentials to a MS server.
That's how all browsers manage to sync anything across devices.
Just last evening, I had a neighbor call me to go "fix" her login credentials (she's a Chrome user). Long story short, after I've fixed it on her laptop, Chrome, on her phone, also started working again without us changing anything.