Only if I do not wan to buy certain games. Two games I bought in a big box store REQUIRE a Steam account to play. Perhaps you have heard of the Civilization series?
More than once when Steam had a problem or I had one with my provider I could not play certain games off line. I don't like Steam, I do not like the idea I have to have their permission to play a game I paid fifty bucks for and have the physical media for. If I had known it would not let me play without an internet connection I would never have bought it. When the label stated "Requires an Internet connection" I figured it was for multiplayer only.
If certain games require it, then it is something forced by those games, not by the service itself.
Just as those "off the shelf" games that are account tied, as Diablo 3 or Starcraft 2, it does not imply that all physical games are account tied.
An exception does not a rule make, while in the case of Microsoft that would have been "the rule".
So you don't buy games that require XBox One?
You had a choice before. Now that choice has been removed.