I can relate to that, as I have three machines (functional, but discrete :D ) in this room........... this is a Win 2000 Pro, another is an XP Pro and the third is a Win ME. The two NT based systems require ctrl + alt + del to get a login screen, which then needs a user and a long password. The only reason is because that is how you are supposed to set them up. The ME box is your normal 9x setup and does not have a password.
We're not talking about corporate machines, we're talking home computers.. Auto-login would be stupid in a corporate environment but it's fine in a home situtation.