Well, it's happened four times in four days since the Fall update that got loaded to our Windows 10 home HP laptop on 11 Dec. HP support was no help (even under warranty), and initiated a system restore to the 16th, which is still reinitializing files an hour later.
I think that in all likelihood Microsoft hasn't seem to notice this is a problem. And since this thread started four years (nearly five) ago, they probably have dismissed all of this as old news.
Help?