I appreciate your help.
Two months ago I did a drive clone from my Win 10 SSD to a regular HDD, so now I cloned it back to see.
After the clone-back, it still has my Microsoft account listed twice, won't allow me to delete them, and the Validate button doesn't work.
So my only other option would be to get my Win 7 SSD (that I haven't used in over a year), clone that back to my main SSD, and then do a (current) Win 10 build install/upgrade over the Win 7. And see if that fixes the issue with Windows having my MS Account listed twice and won't allow it to log in.