That's right. At least if you're planning to use the Media Creation Tool or you need to do it remotely (you could probably boot from the ISO otherwise). Still comes in handy on a lot of occasions though. I had a similar login issue with one system recently, most likely caused by a driver, where the PC would hang at a black screen for half an hour or so just after login. After wasting 10-15mins checking logs, rolling back drivers, etc, I decided to cut my losses and start an 'in-place upgrade' (remotely), which enabled me to get on with more profitable/productive work while it did its thing.