My current understanding is that when you log in, selected startup programs start to load. These do not start loading until you log in.
Even with an SSD, having multiple programs run at boot requires a decent amount of time before the PC can be used smoothly. My startup programs are Flux, Steam, Skype, Dropbox, Anti virus, Google Drive, Custom mouse features, download manager, Pushbullet, Nvidia Shadowplay - quite a few!
I'm not interested in a startup delay/stagger program.
Perhaps a batch script could be made to run at boot. - (Make log-in be automatic) - Count number of logins to computer since power on, X - If X = 1, press "Windows key + L" to lock the computer
Edit: Found a solution! Gonna check it now.