Not creating and using a Microsoft Account would eliminate some of the privacy concerns, but not all of them. If you think it important to protect information, in general or about yourself, then you need to carefully study the privacy statement, services agreement, and associated materials. Plus the various settings that can be used to control the features that phone home. Then, if you do decide that the OS can be configured and used in a way that you are comfortable with, you proceed. Don't install the OS until you determine that and know how to make the configuration changes. Take your time, maybe read http://www.tenforums.com/ for awhile.