OK, this is strange. Last night I go to bed with a blank desktop. Now when I check, everything's loaded and acting just fine
. I ended the session, and logged back in and it works just fine now too.
The groups I checked look different, so maybe either my second account got autocorrected somehow, or maybe it just took a while to set up a second account because I'm running it on an older computer.
Anyway, thanks for your help and if I find something wrong with my second account, I'll delete it and re-make it using only the defaults like you said.