>I notice a product called Disk2VHD. It would allow me to clone my current OS into a Visual Machine (.vhdx format). Cool. My question is will this work under Windows 10 Home? or will need to upgrade the OS. If it will work, how then? I do not see any VM program in my Start Menus.

IIRC VHD is the format used with Virtual PC and Hyper-V (they are not automatically installed -- you'll have to download and install these VM systems). Hyper-V is only available on Professional, Enterprise and Education editions. Home editions should be able to use Virtual PC. The main annoyance I'd run across with Virtual PC is that it appears to be limited to hosting 16-bit and 32-bit VMs.