... it is pretty clear if the person clicks on Accept instead of Decline on the win-10 terms to fully install win-10 it happens. ...
ThrashZone,
One sees so many long and complicated End User License Agreements these days that I suspect few people (even savvy computer users) actually take the time to read and understand the Agreement. Most people have become conditioned to just click "Accept" and
go on.
So it's not unexpected that a computer unsavvy user could see the Windows 10 End User License Agreement pop-up, and routinely just click "Accept".
I am not condoning that behavior ... I am just saying that it probably happens quite often ... and Microsoft takes advantage of computer unsavvy users who do not really understand what they are doing when they routinely click "Accept".
Let's not blame the victim (computer unsavvy user) ... especially when Microsoft could very easily fix this problem with a well documented option that says:
"Do you want Windows 10 installed on your computer ... Yes? No?" If the user clicks No, then no further Windows 10 updates/nags would be presented to that user.