No problems here downloading or playing downloaded DRM music through the marketplace using Zune software. I can also use the Groove player, both apps running on Windows 10 PC. I still can't stream music using Zune software so I have to preview music in Groove, if I wish, before downloading in Zune. Once downloaded I can p.lay it using Zune software. Haven't synced music with one of my players lately, but I believe it's working, certainly playback of previously synced music is. It does require syncing every 30 days.
As far as forgetting your log-in/password whatever, there must be a way to retrieve that. What you DON'T want to do is change your user ID, if you can help it. I think that causes all your downloaded DRM music to be unusable since it was downloaded under the previous user ID.
Make sure you install all the keys discussed in my July 20 post.