I obviously prefer it not being it there, but having to sign in once per game (or install) is not a big deal. Entering a username and password once (and maybe an extra security step) is not an issue. I've had to sign in games already for Microsft, like Gears 5, Grounded etc
The problem that occurred with the PSN sign in is that it blocked entire countries from playing, which sucks. I don't think a Microsoft account would be as restrictive considering Window's reach, but I don't know for sure, but hopefully not.