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My suspicion is that home installations will still be available at retail or OEM channels.
The subscription likely applies more to enterprise and possibly Windows 365. Enterprise licensing is a mess which might actually be simplified by a subscription pay-what-you-actually-use model.
Also it’s be cool to see windows 365 come to consumers as an alternative to a full PC. Would be able to standardize on home thin-client builds, or possibly add it as a feature to the Xbox Platform.
Maybe all business versions, or subscriptions if joined to a domain
I’m just imagining a not-so-distant future where there’s $200 set-top boxes that can hook up to any HDMI port and have a current-gen cloud console and a nearly fully functional PC. Or cloud laptops that have W365 bundled in as part of a 5G service.