Quote: "It was a different story for my MSI laptop which completely lost it's O/S with no way to recover without buying another copy of Win10."
No idea how that could have happened unless you had catastrophic hardware failure, Win10 doesn't use keys like other versions of windows, it snapshots your hardware, then when you install it again it checks that to grant you access to windows, only way i can think of that not working any more is if your bios has had a major failure and wiped itself.
Primary Desktop:
i7 7700,k NV1070 8GB, 16GB 3200mhz memory, 1x 2TB Hybrid, Win10.
Secondary Desktop:
i5 4760k, NV960 2GB, 16GB 2333mhz memory, 1x 2TB Hybrid, Win10.
Primary Laptop:
i5, NV1050 4GB, 8GB memory, 1x 1TB HDD, Win10.
Secondary Laptop:
i3, Intel 4000 series graphics, 6GB memory, 1x 500gb HDD, Win8.1.