What i've read and heard and seen, Windows 10 is a huge security and privacy dump. Your encryption keys for your drive are saved on a microsoft server, along with wifi settings, passwords, etc. Cortana becomes the Kinnect: Always on, always listening, always there, sending feedback (
and potentially live VOIP) directly to Microsoft and possibly the NSA. Your messages, emails and other information is collected, windows, browser history, contact list, pretty much everything...
Honestly as it stands, i wouldn't touch Win10 with a 10 foot pole... or a 40 foot pole...
A number of those settings are worrying:
You can turn it off temporarily, but don't worry we really know you meant to leave it on so we'll forcibly turn it back on for you... Reminds me of Google+ when they were forcing it on you, every other day '
You should upgrade to Google+!' and if you said no they would say '
awww we'll ask again later because we know you really want Google+'...