Good luck. You're gonna need it
I have done at least 2 dozens of upgrades to 4.5.5. and 4.6.0 now and not one of them is using the new security features. All these store owners keep them OFF - for one half of them don't even understand what these security features do, mean and how they work, and also all of these owners have issues with these security features so they prefer to turn them OFF instead of having some sort of login issues all the time...
I don't blame them...