Fresh reinstalls are not acceptable, and not a proper procedure anyway.
This is not a completely new OS, let's get that clear. It's a service pack at best.
I'm not going to spend several days reinstalling my programs and files and weeks getting things back the way I want them every time there's an update, anyone that does waste their time like that is a fool.
Microsoft needs to have better testing and qc on these updates if they're going to force them down people's throats all the time. Thankfully I can defer the updates for a year, and I've further turned off Windows update in group policy until they fix this mess.
If it is linked to foisting OneDrive on everyone, they need to give people more free space right up front, I have 51GB to back up in my documents folder, and I already pay for Dropbox and MEGA and have free Google Drive. I'm not paying for another service that I never wanted to use in the first place.
Is there any truth to the rumor that it's related to the group policy setting for administrators that deletes user accounts created more than 30 days ago?