the roadwarrior topic has been around a while.
my basic config is written here and it still works fine on 6.48.1
http://forum.mikrotik.com/t/ros-6-44-vpn-l2tp-not-working/128274/9
the bug mentioned in this discussion is fixed a while a go, I did not change my config.
my clients are IOS and MacOS devices, in my surrounding there are no W10 or android users