I was typing up my question and found my answer by chance.
My request is that when creating new users the next step is NOT account disabled by default. It took me a while to find that clicking the words ellicited a drop down list. I thought it was a bug as there was no visual cue. I ended up going back to the CLI to create the accounts.
Once I discovered that it was clickable, I can see how well it is designed. I love that I can set it so that new users can choose their own password - Very Good feature. But its not obvious, so I suggest that it there is some visual cue and/or that the default is to set a password on user creation. Setting to disabled is not logical - i have just created a user - why would it be disabled. : )