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#11
Some form of repair, possibly you did a Reset?. However it happened, you ended up in the situation where the Nigel account did not exist yet or hadn't signed in for the first time, but the folder C:\Users\Nigel already existed.
1) Nigel already existed, so it appended the computer name? Have I got that right
Yes...
2) Which means either I made a bad choice, or Microsoft haven't got it 100% correct yet...
Windows made the best of the situation it found itself in. It needed to create a new clean folder for the Nigel account when it first signed in so that it could create a fresh new user profile there, but couldn't use the name Nigel for that folder as a folder of that name already existed.
It shouldn't matter that your user folder is now named username.computername, everything should work normally from now on. I'd leave it that way and put up with it.