Since this is only trying to log on to the user account at the log on screen, it doesn't matter what privileges an account has. That only comes in to play after you have logged in to the user account for what access it has.
Yes, it will be safe since that is the default setting.
If unhiding all accounts (Administrator) makes no difference, then create a new account for yourself, and see if you are able to log on to it when having to enter both a user name and password. If so, then you could copy what you want (ex: shortcuts, files from Music, Pics, Docs, etc.... folders) to the new account, and delete the old account afterwards to use the new account instead.