I'm not sure exactly what you mean, and I'm pretty sure that this isn't your entire question, but I think you can enable the "Guest" account in NT (well, 2k at least). I'm not 100% sure if by enabling the guest account it will let anyone log on with whatever their username is, but as a guest. The other thing that I wish 2k and XP had was custom user levels. I haven't been able to find any way to do that, or make a custom group.
Overall, it sounds like a really complicated question, that I almost assuredly don't have the answer to. I did read the whole thing though, if that's worth anything
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