Just downloaded windows 10

Nice, NOT!!

A more serious question...........do you know this so called "free upgrade" works? That is, does this disable being able to back to W7 if you so choose?

That is correct, that there is no undoing it once it's done.
The only choice would be a format and reinstall of a previous OS.

What does a person do if the upgrade fails or gets interrupted?
Call MS for support for a free upgrade? :D That'll cost ya.

Well in the meantime your computer is dead.

WAY to sketchy to trust for my taste.