I just upgraded the 'spare' to W10 and I declined 90% of the default settings. I had to hunt for the "hidden" scrollbar and made sure I did not accept any default settings

The only thing I let the setup do was to organize my photos (all 2 of them) and then I let it do its thing.

I attempted to turn "Cortana" on but it requires ALL the settings I declined to be turned ON....bummer.

So far its OK, but nothing to scream hallelujah about