Just downloaded windows 10

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.

From what I understand if you do it within the first 30 days of loading Windows 10 you can revert back to your previous OS if you don't like 10." Settings>update and security>Recovery."