I want to ask one more question before I mark this solved. This one may be tough to answer because I suspect no one is doing what I want to do here. Based on what Jeff said above, I'd like to create a non-privileged user and disable the root login, but being new I do most things right now with Luci. This came up on another topic I started, but no one answered who had done this. It wouldn't even make sense to me if it was possible. If I am running as a non-privileged user I suspect I won't be able to make changes in Luci. If I could, then it seems it's not any better security. If I can't make changes then I can't use Luci. I understand using sudo as a non-privileged user because of my limited experience using terminal on a Linux box, but it seems there would be no way to do that in Luci (obviously).
I am asking if anyone who uses or has used a current version of Luci and disabled the root account what their experience is with this and what happens. There probably won't be anyone to answer this because anyone who knows enough to disable the root account wouldn't be messing with Luci... But, in case there is someone, I'll give this a shot.