but in order to get any further is seems I need a user name and password.....?
Do you have a concern about the Install prompt that says: Who are you?
and requests a User Name and a Password?
That is part of the installation routine, and there are reasons for the request, such as establishing you as the Administrator who has access to root for certain actions.
If you are the only person using the computer, and you want to bypass the login prompt, isn't there a Log in automatically
option in the lower section of Who are you?.
If not, once the OS is installed, you can go to:
Menu > System > Control Center > System > Login Screen
Input your Administrator password, and press: Authenticate
Press: Unlock once again
Select Log in as (User Name) automatically
Close the prompt, and reboot.
Upon reboot, there should no longer be a Login prompt.