I actually like the Microsoft Authenticator, as it dramatically improves security for Microsoft Accounts. Not only does it plump up 2FA TOTP from 6 digits to 8, but it can also implement challenge-response codes as a second layer of protection.

What I do not agree with is putting your computing eggs all in one basket. I have never used a Microsoft Account to secure Windows, and I never will. Complete data loss via loss of control of the Microsoft Account is just too high of a persistent threat. And that risk rises by an order of magnitude the less technically inclined a user is. For someone who has almost no computing experience, it is an unconscionably risky system to use.