Oh, yes… !, in this event, indicates a non-existent file.

With only one account, it is (as always) Administrator.
PC Settings > Accounts don’t tell you much. Control Panel > User Accounts > Change your user account type is they way to go - if I needed the bother.

Long story, but… I used both “Restore factory defaults” and Repair.
I’m fairly near certain I didn’t redo Hardened Mode and a few other settings afterward. Would need to test it again to be absolutely sure.
Fyi also, see attached.