I filed
https://bugzilla.redhat.com/show_bug.cgi?id=2177722 for my original problem
(involving non-DE logins) and it was indeed fixed with the latest systemd updates in both
F37 and F38. I know other people have reported it happening in GNOME but have never seen
it personally. There are closed bugs and some open bugs for what you're describing,
for example
https://bugzilla.redhat.com/show_bug.cgi?id=2162708
https://bugzilla.redhat.com/show_bug.cgi?id=2173394
so check Bugzilla.