disaster preparedness, motherboard update, activation, microsoftaccount.

Need some guidance on planning for disaster.

Last week's activation server issues trashed my activation on
this machine. That got me thinking. Good news is that my
activation is back today.

If my motherboard dies, how do I get reactivated with a new/different one.
Googling suggests that it's not a big deal, but you have to login
with a microsoft account to get your old system archived BEFORE
it dies.

I REALLY don't want to login with a microsoft account. It changes
my login process, gives MS access I don't want available out there
on the web. Yes, I realize that MS can do anything they want on my
system; I just don't want to add another wrinkle to the thing.
I think it also changed my computer network name, but I may be
confused about that.

If I setup a MS account, can I get archived for system update, then
change back to login in with my old username/password? Does that
retain my ability to recover activation for my updated motherboard with
the MS Account?

All my computers were garage sale rejects updated from win7 to 10
during the free upgrade period. They have digital entitlement for
the current setup.
I can't recover original keys, if that matters.

I have about a dozen computers I'd like to disaster proof.
My fear is that I'll turn a currently activated system into a
non-activated one. And not learn that the process would be later reversed
by MS after I'd trashed 'em all.

Lack of transparency sucks...

What's the actual process that is verified to work when later changing
the motherboard?