Thank you, it's great to know about the possibility of setting up as 'not the main user', to avoid the Copilot - if that's actually possible. I'm not sure how I'd do that seamlessly though (and again, we shouldn't have to do this).
I read the Ed Bott article:
https://www.zdnet.com/article/microsofts-copilot-ai-is-coming-to-your-office-apps-whether-you-like-it-or-not/
where it explains that Australia, New Zealand, a couple of other markets are the 'crash test dummies' for Copilot. So, based on our frustration they'll probably fix it in time for their 'main markets'?! Meanwhile, this has enraged me so much, as does AI in general, that I'm looking around at replacement writing programmes.
Does anyone know anything about open source software or other versatile options e.g. LibreOffice ?? If I can find word processing software that reads and can be copied into from MSWord and which can save as PDF, then I'm keen to consider that and set it up before the next increased MSOfiice365 sub is due (unless they fix this issue very soon).