Hmmm, other post not make it.....
I found one of these updates was the culprit:
Update for Windows Vista (KB3118401) and Update for Microsoft Security Essentials - KB3140527 v4.9.218.0.
I did both together, Desktop failed to load. Restored. I did the MSE one by itself, and the Desktop failed to load. I restored the OS and did the Vista one and came up fine. So, the problem seems to be with the MSE update causing my system to boot into a blank screen, causing me to see "personalized settings" not responding in task manager.
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