Rob, I completely forgot to go back and read that article you linked to. I apologize for that. I was so sure IE was still tightly integrated into Windows until Win10. Yes, I understand why IE was separated. I know all to well about ActiveX issues from Win 9x days. That's mainly what made IE so insecure, it supported ActiveX. Rob, I didn't misunderstand why IE was included in Win10. I just found it interesting it was under accessories, a non-issue.
Of course, security and privacy are two different things. Privacy has nothing to do with the security of an OS. It does have to do with MY security. IK I got off topic. I guess I wanted people to be aware of it. Thanks for that link to Ed Bott's article. If Ed says it isn't so, re Keylogger on 10, I believe it! I don't know that it's so much gullibility, as users believing the worst about MS. It sounds as though the initial reason for those privacy settings was mainly for the Insider program.
FWIW, you seem to think I don't understand a number of things. I do, but I understand on a different level than you do. I may not be able to explain things in highly technical terms, which is understandable since I'm not a highly trained professional. However, I spent nearly ten yrs. as one of the top regular contributors on Annoyances.org forums, before they took them down several yrs. ago. My main focus was on security issues, including malware removal. I helped countless users clean malware off their systems, step by step. That's been several yrs. ago, since Vista days.
Carol