This is very interesting. A bug in the NVidia display drivers (version 5.6.7.2 and maybe some before and after) was causing my problem, and it's official. They must do something with the registry that forces you to be using an NVidia card somehow when you first log on... because it tries to load the NVidia drivers right away... I'm not sure. Maybe Microsoft and NVidia made some kind of secret agreement. Just don't install the new drivers for now.
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