Just because you haven't been affected doesn't mean it's not an issue - I've not either, but it's quite clear from the number of reports of the problem that it is a genuine issue which Microsoft needs to resolve.
Not quite sure why you are "baffled" - it's quite clear from the online coverage that while a significant number of people are affected, it's by no means everybody.
Thank for your comments. I am disable and not that skilled in computer technology and having your files/folders disappear with Microsoft/Windows Chat/Tech customer service play dumb to these issues leaves people like at such a disadvantage. After spending many hour with there remote support seeking help and show them evidence with the results of them disconnecting the chat process. My Office 2013 program disappeared after normal settings in WIN 10 Pro for Updates/Security (set for recommend) to keep Dell Latitude Laptop running at it's best performance/safety. There solution is to buy the new Office software or check with your manufactory for answers. Everyone doesn't have the money to buy new software after already buying the software they already owned with product key, but will not work after they removed it from my Laptop with there bugs in Win 10 Pro normal upgrades. No warnings given for customers to understanding if they have checked the box to recommended setting for updates. I live below the poverty line and just trying to pay the basic living expenses in California.
Thanks