Yes you DO HAVE to create an other account for it to work, and that's exactly what you do with OOBE, so I don't get your point. OOBE is not the workaround, it's the default way to install XP. Using OOBE, you do not "create and auto-logon the administrator account", you create an other account with admin rights. The administrator account is already built in and sort of hided in XP Home, that's why you auto logon the 2nd account if it's the only one you create.