

If my personal laptop is stolen, my drive encryption will protect my data. Without that, physical access is enough to pull info unencrypted. A user password will prevent OS access both locally and remote. If someone happens to get my password or bypasses my login somehow, I don’t want them to be able to open my email and read messages, or open a browser, go to a logged in Amazon page, and be able to order items. I personally don’t keep anything logged in and everything logs out when my browser is closed. It’s inconvenient, but to the tune of an extra minute each day to login to everything.
Really, you just have to decide your risk tolerance. Businesses have a lot at stake and therefore it behooves them to force strict auth policies. If you aren’t concerned about your personal stuff, set a login password if you want, and put your creds in browser, but I’d urge to at least use a password keeper over a browser.
It took me 7 years to get a 2 year degree. I work with one of my best friends who got his masters in that same time. We’re both successful and excell at what we do. It does suck that you have to wait to be done, but one silver lining is you may have a better job market since you won’t be graduating with the vast majority of college students competing for the same spots.