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I guess the Microsoft account thing I don't really get, it wasn't difficult to move it over in my experience but I already had several Microsoft accounts for Windows and Xbox stuff
Idk about the filtering thing, i definitely don't like it in theory but also haven't seen anyone actually banned/muted due to it, definitely doesn't make sense that it's enabled by default on private servers, should have been a realms only thing, then again a majority of servers with most of the population likely aren't on realms
For new MS accounts they now require a phone number. Not at registration, but in a week after it.