>I pay them for Windows and Office, a very simple transaction, right?
No, it's not, and hasn't been for a while. Office added a subscription model a few years back (obviously it's the one they are pushing), and after that stunt that MS pulled with 10 launch you might as well consider it a targeted ad platform.
Let's speak about Windows 10 and Office 2016, I have bought them, a very simple transaction. Everything I mentioned still holds. I regreted doing so. I am in the club who reverted back to good ol Win7 and Office 2010.