I have solved my problem. It was a Keychain / Saved Password issue. When some time ago I re-installed the Backup Disk and then Encrypted it, I decided to clean out the Keychain entry for that drive so as to take back MANUAL control of the password entry. I now realise there must have been two "Keychain entries, one for the Disk itself and ANOTHER for Encryption, even though I used the same password for both. However, I have concluded that I must have not removed all parts of the old Keychain entries. As a result, it looks like this caused a conflict at logon.
If the computer was STARTED or RESTARTED, the Backup Disk would mount and work properly, but at the same time a window would pop up asking for the Time Machine password. If I entered the password, a message would then pop up saying the Disk was already mounted. If I closed the password window without entering the password, Time Machine kept working, indicating that the passwords for mounting and encryption were being automatically retrieved from "somewhere". It's as if the passwords were requested BOTH manually AND from the system, with the manual request being redundant. By the way, I tested that the encrypted backups worked by deleting some unimportant files and then restoring them from the backup.
Now to the LOGOFF / LOGON scenario : in this case the backup disk would not automatically mount. It had to be done manually Disk Utility. Manual entry of passwords was, however, not required.
The solution has been to delete ALL Keychain entries for Time Machine, erase the Backup Disk and do a fresh backup using a new password. I have elected not to use encryption as this just slows everything down and I don't have anything that important.
A new search using Keychain Access does not throw up any entry for Time Machine. I have concluded from this that Keychain must only save the encryption password. With no encryption, there is no Keychain entry for Time Machine. The disk mounting password itself must be saved somewhere else, or it is disguised under another name. I am not certain about all my foregoing conclusions, but one thing is for sure : Time Machine works correctly, its password is retrieved automatically and the backup disk mounts automatically in all activation modes : START, RESTART, LOGOFF/LOGON and LOCK WINDOW/LOGON.