Most users won't have an issue with this, but others really don't care for it on their laptop PC or shared Desktop.
The solution is to tell windows to memorize a user/password for auto-login:
Unckeck the option:
Fill in your user name and password one last time:
IF you for some reason have to reset or change your Microsoft password, you'll start getting logon errors until you repeat this process and memorize the new password.