Windows 10 New accounts default to "Password never expires"

[RussellH_900]

Long time lurker, first time poster...Windows 10 22H2, with updates though August Patch Tuesday applied. Local machine, no domain, no network. (Security requirement.) If I create a local user account by going to Settings > Accounts > Family & other users, the new account defaults to "Password never expires". If I go Control Panel > User Accounts > User Accounts > Manage other account, and "Add a user account", I don't get "Password never expires". But if I go Windows Explorer, right-click This PC, Manage, Local Users and Groups> Users and create an account, it default

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