I think there's generally always been some hackish way around, and the hackish way frequently changes between releases of installation media.
Also, when Windows Update deploys certain things, if you have a system that did this, you may get a full screen thing telling you to set up a microsoft account roughly "for your own good". Even when you bypass that, the start menu and notification area generally are eager to suggest hooking your system up to a microsoft account.
They decided that since Android can so aggressively push Google accounts, they should get the same scheme going, but Microsoft has this pesky pre-always-online history of being an offline capable OS.
Dating fine, but if going for a long term commitment, it may be rough to be in your 60s with a partner in their 80s. They have to understand if they are theoretically on that path and that their relationship will transform into elder care at some point. Also before that the older one will stop keeping up sexually.
If both see it as a short term fling, probably ok. The 46 year can probably keep up with a 25 year old in the ways that matter, and may have enough money for some interesting experiences to share.