Thank you, JohnAtl.
I tried this with one of our smaller user accounts (i.e., one of our kid’s accounts…). When I logged in as her after the fact, I saw numerous errors about having to repair the keychain, and some others which I don’t remember. MacOS asked me if I wanted to either Repair or Reset (can’t remember) some things so I got a little nervous.
Ultimately I backed-out by booting off the spinning drive and logging in as her again.
Maybe I did something wrong…