While I could, I don't use the "Everyone" account.
Of course I only have three "real" users and about six user accounts.
There are server folders to which I only want to grant read-access to most of the accounts; there are folders where I want "everyone" to have access, but within those folders I want exclusive access of one user to any folder.
All this can be accomplished through the security and permissions features of Windows. And -- whatever other people do -- I want every account on every machine passworded, and all the users in my household are comfortable with that.
I think a lot of folks are irritated at the boot-time login screen before entering the desktop, but its not a major hindrance here. I get more irritated when someone sets up a computer for me (just bought a used laptop) and leaves the passworded/login disabled for the existing account. But that was easy to fix, . . . . anyway. . .