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@60Hope is reading too much into what I was saying.

....I was just using the Online situation as an example of unexpected consequences for an AutoSave situation...and that Desktop users would encounter the same issues if they had no choice.  

Certainly you understand that you need to work only on a copy...but you don't encounter the thousands of  people posting here every year with completely non-existent computer savvy....

Yes, I only use desktop software with Windows 10.  I wouldn't touch Online with a loooong pole.  I only have test accounts Online to see what it does, and answer questions.

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____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*