I recommend turning both off, despite only the first seemingly dealing with this feature. 'Use my sign-in info to automatically finish setting up my device after an update or restart.'.'Automatically save my restartable apps when I sign out and restart them after I sign in.' (new in Windows 10 2004).Go to Settings > Account > Sign-in options and scroll down to the bottom. By now, there are dedicated settings allowing you to control this behavior.
