I can understand your frustration.
Switching to something like a Gmail address isn't really going to be any better as you can still get locked out.
What's not clear is what caused you to be locked out in the first place. Presumably it was working one day then the next wasn't.
Some things to consider for the future.
Hind sight is always 20/20 and backups of your passwords - using a Password Manager for preference - and backing up locally things like contacts and other online data is really essential.
I'm not that familiar with Hotmail but understand that its really Outlook.com these days. When I set up my Outlook account there were options to include a secondary email address for recovery and also the ability to use an Authenticator App as well as my mobile phone number. This gives me at least three other ways to log in, in the event that one doesn't work.
As for archived emails, well, there are two methods of setting up email accounts. IMAP and POP.
With IMAP, which is promoted as the popular choice because it lets you access your email from differrent devices, the emails are held on the server of whoever handles your email.
With POP, emails are downloaded to the device on which you use to get your emails. At that point you can back them up locally.
As for choosing Microsoft, Google, Apple, BTInternet or similar organisations you will always be reliant on their service and find it hard to change to another supplier. This is one reason why I bought my own domain name for the serious stuff because it belongs only to me and I can choose from a number of service providers to handle the emails. Currently I use IONOS but could easily change to another provider and still retatain my existing email address.
In respect of Windows 10 I can't wait for the end of service to happen because I get frustrated by all the updates I don't need or want. It will still run and still be as secure - mostly these days its people who are the weak link in security.
Good luck with whatever route you take - but nothing is perfect.
