I see a likely inversion of motives here: you earn your living coding or otherwise are deeply vested in Windows, so you are committed for survival to Windows and to fixing the absurd account problem that MSFT has inflicted on you.
The expression "muscle memory" here just means the cognitive load of working with a technology. MSFT has added a hard-blocking piece of stupidity to your cognitive load.
I am sure this is not the first time! Registry problems, update problems, and now for pity's sake account problems.
As a long-time user of both Linux and Windows, I'd say my OS cognitive load with Linux is almost entirely related to efficient actions, whereas with Windows I have a quiver of stupid arrows to shoot at all the problems that MSFT inflicts.
When people advise you to switch to Linux if you can, they are giving solid advice.