I can't speak for the experience of Windows 10 because I stopped using Windows altogther some time around 7. But I entirely sympathise with OP's habit. Maybe not as fequently, but at least once or twice per year, I reformatted my disk and reinstalled Windows just because if I didn't the whole system became sluggish and unusable. Looking back on it I think it was also a way of exerting control over a system I knew wasn't truly ever mine.