> could you tell me which games so i can avoid them
In this case it was the Switch version of Minecraft.
No indication whatsoever that (what I consider to be) a totally unrelated signup would be needed to collaboratively play the (very expensive) Switch game.
In my case, a bunch of kids needed to wait while I attempted to create a Microsoft login with my private email address (yes I buckled - unfortunately explaining privacy to an expectant and impatient crowd of eight-year olds isn't realistic).
But then I found halfway through the process, that I'd somehow used the same email for Skype many years ago, and the password was naturally long-forgotten - blowing that signup attempt.
Not fun to need to create a new email account, and go through the whole signup and login flow all over again, just to play a game that's been sold as a self-contained entity for a totally different non-Microsoft platform.