Every screen is a negotiation over what gets shown now and what gets shown when asked. Get it wrong in one direction and the page is a wall. Get it wrong in the other and people can't find the one control they came for.
The rule I ended up with: whatever the user came to do goes upfront, and whatever exists because the business needs it goes behind a click. Login is the clearest case. Nobody opens a trading platform in order to log in. They open it to check a position or place an order. So the login journey should be short, skippable wherever it can be, and should never stand between someone and information they could have seen anyway.
The second rule is about words. This is not academia. Nobody reads more than three words on a control. If a label needs a sentence to explain it, the design is wrong, not the copy. I have watched users skip an entire section because the heading ran to seven words.
The third is about defaults. Anything you put upfront is a decision you are asking every user to make, and most of them don't want to make it. Pick a sensible default, put the alternative behind a click, and let the small number of people who care go and find it.
The test I use: if someone landed here mid-market with thirty seconds, what is the one thing they need to see without touching anything? That thing is upfront. Everything else earns its place.