Sorry for the rant.

My point was really meant to be that NO ONE should EVER upload a mod without checking everything out first. It doesn't matter if it's a clean install with three backups. You just don't know what the mod author had in mind. Some will include a snippet of code to be inserted in a core file.

I certainly wouldn't overwrite any core file with my FTP till I found out what was going on.

That said, I'm still open for suggestions on the login versus split-login settings.