Another thought. In asking IT friends and clients about 'Teams' their main lament is that there is no provision for inviting non-MS account holders to be added to 'chat'.
Several of these types of chatroom users I know have moved (or added) 'Slack' [https://slack.com/] to their services (or similar) given those types of services offer a free account for small / limited groups, have similar persistent chat features...but most importantly for them - they can invite anyone with an email account (albeit, NONE of the other great O365 features). I realise this can open up security/spam issues - but for many small businesses, or even charities/non-profits or clubs/families it works well and, at a fraction of the O365/user cost.
I realise that MS has to find the best mix for the best profit - but as they have found with Hotmail, a consumer level of 'free' can provide good exposure to a great tool that may later become a full-pay customer. In helping friends/families with IT I see where MS could promote some of these in the 'home' packages to solve home and small business issues that could increase brand loyalty. Just getting families to use a common 'family' calendar and persistent chat (for events, outings, etc.) and, including something like Teams chat and 'Planner' would be great. While MS has some great products it is the promotion with some that many of us see as lacking. There is a lot of hype and advertising around the 'Surface', but if it was linked to some sort of 'home office' / small business ads that gave short videos, testimonies, and instruction on how to best use them I think you'd also see a greater acceptance at 'work' for decision makers. While Google hang-outs / docs works fine for some, my kids and others forced to use them at school often find themselves exporting google docs to MS Office once home to do 'real' editing :) If folks could see/use services like (full or 'home' version) of Teams/Planner I think it would be very helpful to MS market share (and to clients just wanting something that does what they want.