Hi Matt,
Thank you for your honest feedback.
You're absolutely right when legitimate and important emails are being marked as junk, it makes the service feel unreliable. Unfortunately, Outlook doesn’t offer a setting to fully bypass junk filtering. I agree that having an option to send all mail to the inbox even at the user’s own risk would be more empowering. The best workaround right now is to regularly check your Junk folder and create a broad inbox rule like one that moves all incoming messages to a folder). It’s not perfect, but it can help reduce the risk of silent losses.
I really do hope Microsoft reconsiders offering a user-controlled option in the future.
Warm regards,
Cherrelyn