I was able to access user area. It gives me 2 options. One is to "switch to a microsoft account" and use my E-Mail as a sign in. The second is to use a password. It says I do not have a password at this time. I do not currently need to sign in on boot up which may explain the lack of a password. There is no need since we are retired and no one else will use computer except wife and myself. I can set one of the two above up but if I don't what will happen if I start restore and computer asks for password? If I do set a password, will I have to put it in each time I reboot computer?