This morning I attempted to boot my laptop, only to get a really nice error message:
"User profile service failed the logon. User profile cannot be loaded".
I was bank up and running in just a few minutes.
It's always nice to find good quality, step by step instructions out there to help with things like this. I still don't know what caused it, nor do I really care, but at least I've got all my settings back. 🙂