Originally Posted by
GuidoLS
So far, yes. It's either on or off.
Cart before the horse - second question should be fourth, and vice-versa. If you disable cloud services (like Cortana, it's on or off), then nothing goes out to the cloud. If you enable cloud services, AND you have an MS account, your settings, at minimum, will be saved, and usable across multiple devices (things like themes, backgrounds, and highly encrypted wi-fi passwords if you use them - so far).
I haven't tried on the latest build, as I did a direct upgrade, but as of 10049, the option was there, although I did not make any attempt to set up a local only account. I will confirm, 100%, that if you have set up an MS account, you are NOT required to be connected to the net, although you will still be required to know and use your credentials (username and password). And again, that removes any need (or connection) to the cloud.
Answered and expanded upon under number two, but yes. .....