So the last few days Windows 10 periodically tries to update, then restarts a few times, then says it has to roll back because it couldn't update. What should I do, please tell me I'm not going to have to wipe my hard drive.
You can check M$' website for release notes on whichever update it is, but of the times I've seen that issue posted, patience has been the key. So far they eventually get it sorted out and the update takes. Sometimes a day, sometimes a week, but the majority of posts I've seen resolve with "NVM, it suddenly worked".
In Services settings yes it works for me with Spybot Anti Beacon well. If you are getting confused google it. Install MalwareBytes and you are alright.
Some versions of win 10 might not allow it but there is always workaround just google it.