How do I make Num Lock default to 'ON' at startup ...
Just be aware that not all BIOS have Num Lock settings in them. On my Win 7 machine, the Num Lock was on after boot up, but despite making the registry change you suggest, since upgrading to Win 10, Num Lock is off after boot up. A small problem, but an annoyance particularly if you have used a PIN number for log-in.
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