To answer your question, your files will not be affected or locked. Office files like Word documents or Excel spreadsheets are not tied to a specific subscription. As long as they are saved on your computer, you can open and edit them normally under any active subscription.
Also, you can ignore the "Switch Plan wizard" article. That feature only exists for Microsoft 365 Business accounts managed through an admin portal. It does not exist for personal accounts like Microsoft 365 Personal or Family.
Some important things to keep in mind to handle the transition:
1 = Make sure your OneDrive files are copied over:
- Files saved locally on your hard drive (like in your Documents or Desktop folders) are safe and will remain unchanged.
- If you have files stored only in the cloud on your old OneDrive, be sure to download them to your PC or move them to your new OneDrive account before the old subscription ends.
2 = After purchasing the new subscription on your new account, open any Office program like Word or Excel. Go to "File > Account", sign out of the old account, and sign in with your new Microsoft account. This will activate your apps under the new license.
3 = Log in to account.microsoft.com/services using your old account. Make sure recurring billing is turned off so you do not get charged again when the old subscription period ends.
If you need any help moving your OneDrive files, let me know!
Feel free to ask any questions you may have.