How can you change the startup (login) wallpaper on Big Sur?
All the answers I've reviewed confuse an individual's desktop picture with the login wallpaper showing multiple logins. Apparently not an issue with a single login since the startup (lock screen) for the single user is the same as the user's desktop picture. But with multiple users, the graphic is shown from /System/Library/Desktop Pictures/Big Sur Graphic.heic (not like any user's desktop picture).
This graphic should be made customizable. It is an ugly orange swirl of colors now. At least something more subdued should replace it as the default.
Since "Macintosh HD" is a readonly volume, one can't easily change this file directly.
How can you change the startup (login) wallpaper on Big Sur?