Well, depending on your use case, you might not care. If you want casual power point editing on your laptop, just slap a cheap key and it will work fine, buy another one for your home desktop and you are still <10% of a “genuine” licence. If you change your pc just buy a new one and you might even find a newer version. As for the MS account, I don’t know anyone who uses it for office licence sharing, so I can’t tell about it