Windows 10 Filesharing is a broken mess forever?

So this seems to be an ongoing problem in Windows. I have four Windows 10 systems in my house, All running Windows 10 Pro, all set up with my Microsoft account, never a local account, all on the same network and all updated to newest windows build. I use the same pin to login to each one locally. At one point I had no problems. I would share certain drives or folders on different systems, and each computer was able to see and access anything I had shared over the network using my Microsoft account email and password as the login credentials. But every once in a while an update or system reset would break this functionality. I have gone through many troubleshooting steps, including manually starting and setting to automatic certain network services which at times seemed to help but only when I couldn't even see one or more of the systems on the network, even though it was set to discoverable, and could see the other systems. Sometimes only one system will be unable to see one system, while it sees all the others, and the others see all of them.

One of the weirdest solutions I found was to try using a very old Microsoft account password that had since been changed, prior to even installing windows on the system I was having issues accessing. I could see it on the network but my current credentials weren't working. Somewhere I saw someone mention that if you'd done a password change of your Microsoft account it can take a while to propagate your windows credentials. I think I actually discovered this was a solution when I needed to login to safemode without a pin, and only a Microsoft account password I'd not used for almost a year was accepted, even though I'd just done a fresh Windows install. The list of just weird broken symptoms goes on and on.

Once again today my current credentials aren't working to access my plex-box, which I just did a wipe and fresh windows install after upgrading its cpu, and I no longer have access to my years old Microsoft account password that was the solution last time I had this problem. Keep in mind I can access over the network every other shared directory across 3 different systems using the my current Microsoft account username and password. In fact my plex box can access those same shared folders, but even though its on the same Microsoft account apparently it has different unknown credentials.

I see lots of posts saying just use local accounts but I've learned the hard way that can create havoc with permissions and create more weird network access problems. Since they've pushed us so hard to use Microsoft accounts, it seems like this shouldn't be so damn hard.