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@john a password is only required when remote, not when local - I can attach to another user's session without password, so long as I'm sitting at the console.
I don't consider this to be a good answer; I think it's only adequate (so I'm not going to mark it as the accepted answer, at least not for a while). It's possible that there might actually not be a good answer; I've skimmed the Chromium source code, and the IsOS hack is the best I found.
Chrome engages in a number of questionable privacy related actions - some are network related, such as reporting "metrics". Others are more invasive, like the software reporter tool or chrome cleanup. I want to disable these things, but the policy only works if your computer is in an Active Directory, and I don't have one of those.