@ R. Proffitt
I don't use Microsoft's email login because I am not a moron. I have also switched every privacy option to off as I don't trust Microsoft with anything let alone my keystrokes - look at Google! (I have security before anyone lectures me and yes I disabled the usual unnecessary background services). Still not quite sure what the email login has to do with this issue though? Considering the read only/file ownership issue has been around since XP (and probably as far back as NT), decades prior to Microsoft going on its current data collection orgy. So if your implying it has something to do with authentication with the Microsoft servers, I cannot see your logic considering the issue pre-exists that being part of the OS and when a lot of peeps were still not online or had dial up. Nor have I seen any mention of this in any of the 30+ articles I read in trying various different fixes. Secondly, I object to being spoken to like a noob, I build PC's and have fixed gods know how many machines from those at various places of work, to friends, to friends of friends and the odd charity, as well as doing builds for other people. I am not a bloody noob!
In response to ranting - that's expected in these sorts of threads so either don't read them or try not to patronize, if you find the later impossible, then don't say anything as it will not be appreciated. Also, I love how you completely ignore my question on distros - I thought you developer types loved linux but apparently you love belittling people more so well done on the later point - objective complete! Also, as much as it's really fantastic that you know about junctions, that comment is as about as helpful as a chocolate teapot - so unless you want to link to a nice easy to digest article for non-developers, then I would stop **** swinging about your IT prowess. We get it, you know your windows, however at no point have you uttered anything considered remotely useful for the average user so here have my wrath.
To my fellow windows 10 sufferers:
I have, reinstalled win10 and once I had installed anti-virus and anti-malware, I immediately disabled UAC via a registry edit that also disables the metro apps - what an unexpected bonus! It also nerfs some of their tracking, apparently, but that could change with the constant updates. NO PROBLEMS SINCE DOING THIS THOUGH, HURRAH!! 
To FIX: Google the registry edit if you like guys (a link follows) cos it stops this happening, I've been running fine from not long after my last post, as that's when I bit the bullet and started over. There's load of great articles online no matter what your PC proficiency level for tweaking other windows 10 bits and bobs (and general annoyances) but yes it is a bit of a ball-ache if it's not something you are familiar with. I've linked one here for a starting point, the UAC hack instructions follow first (there's some pic's on the website if you are unfamiliar with the registry, which will help):
"To disable UAC via the registry, you’ll need to head to the start menu search box and type in regedit.exe and browse down to the following key:
HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\CurrentVersion\Policies\System
Over on the right-hand side, you should see a setting for EnableLUA, which you’ll want to customize as follows:
UAC Enabled: 1
UAC Disabled: 0"
link to page:
http://www.howtogeek.com/howto/4820/how-to-really-completely-disable-uac-on-windows-7/
And yes it works for windows 10 not just 7 - most of the registry hacks do from what I've found. Just don't fiddle randomly with the registry though, if you are unfamiliar make sure you follow trusted instructions as it could result in you needing to reinstall a now bricked OS. If you back up the registry before editing that's always a good fail safe, as it can always be restored in normal or safe mode, another link for that too:
http://www.howtogeek.com/197785/how-to-backup-and-restore-the-windows-registry/
This can be done with an individual registry string (or section) rather than the entire hive, if you're only editing one thing like the UAC string.
The How to geek site is pretty good for uncomplicated instructions, I definitely recommend it.
Good luck!