Thanks. I did try the sign on via MS online account process suggested by some others, and it seems to have worked (fingers crossed). I really don't like the "Big Brother" aspect of having to use an online log on, so hopefully MS fixes the local account issue soon, or I hope that when I do switch back to my local account it still holds the credentials.
I passed the 10 day window ro revert to 1909, and the MS tech said there was no was now to go back, which I find very hard to believe, but that's what he said. Another MS issue that should be fixed.