The answer is not in the Lockscreen or Display tabs of the new"Settings" dumbed-down Control Panel replacement. The Display applet of the classic Control Panel seems to have disappeared in the latest Windows 10 installment. No help is found in the Power options.
Instead it's in same place it has been since I dunno maybe Windows 95 lol. Screensaver settings. I'm not sure the most direct way to get to that anymore, but I found a link to it in the Lock Screen tab of the Settings app.
In there you set the Screen saver to (None) and set the wait to (for instance) 5 minutes, then check the box for "On resume, display logon screen". Just the way I have been doing it for I think at least a decade. I just never expected this to override all the new settings mess. Wow.
