I agree, that's why I don't buy them. All of my computers are 9+ years old and run fully up to date Linux or Windows.
In fact it is proven that not only is Microsoft deeply in bed with the whole US Government, but the amount of vulnerabilities and flaws and outright back doors that have been publicly exposed in Windows is wildly larger.
I don’t even understand this immense focus on criticizing Apple, as valid as it is, when people use Android and Windows and Google services that are all shown as clear hangar door sized vulnerabilities.
It really kind of boggles my mind. Apple is constantly being out under pressure by the government and is constantly pushing increasing security and privacy features, as imperfect as they may be, but that is in comparison to Windows and Android, folks.
With that said I can still use Windows without a Microsoft account.
Only because you are a power-user and know the magic trick to perform when installing Windows to avoid signing in with a Microsoft account.
It sounds like you may not realize that you have never needed an Apple account (i.e. an Apple ID, which might call an "iCloud account") to use macOS. No magic tricks are required, although some Apple services will naturally not be avaiable.
and I'm sure if I searched I could find the same thing for Google, Facebook and others too.
Whether or not an upgrade for efficiency is worth it is subjective though.
It was true that power stagnated for a long time but it's finally back on the upturn.