Ha. Perhaps I'm misremembering, but I think I remember this behavior (not using the user background in safe mode) back in Windows 95.
I love both (I'm one of the few who wrestled through the entire WoT twice and enjoyed that) but your citation shows very pointedly how Jordan was often just copying LoTR.
So maybe Jordan is actually the one who got ripped off. Still though, pretty cliché idea, but the formulation is too close to not be influenced one way or another.
https://support.microsoft.com/en-us/help/12376/windows-10-st...
Microsoft knows what its doing.
It's an unnecessary rigmarole to boot into safe mode without OS access, but is still possible.