tbh the security settings on desktop devices tend to be more lax in general; for example almost any desktop pc has an open bootloader, means you can sideload an operating system from usb. The consequence is that no password-at-login will protect your private data; only full disk encryption can.
Smartphones on the other hand often have a fully-locked bootloader, which means it's totally non-trivial to install an alternative operating system. especially, it often contains wiping any data on the smartphone, so an attacker with access to the device can't simply install their own OS and read the internal storage.