It made me chuckle that 100 people have read your post but nobody will tell you how to add a calculated field... on the other had, they might have your best interests in mind! Now, I might get shunned for telling you how

, but I'll try to make up for it by sharing my understanding of
why!
Here's how you add a calculated field (pic attached). I just tried for the first time and found it's finicky - it has to be added as a new field -- not an existing field -- and some tables would not let me add one at all.
Access's job is to store data and manipulate it later. The most 'broken down' your data is stored, the more you will be able to do with it later (often in ways we can't predict when initially designing a database). It's a bad practice to store duplicated or derived data.
From some pro's...
This and
this and
this and to quote The_Doc_Man in
this old post:
There are situations for convenience, I suppose, but in something like 30+ years of experience with database systems (starting Digital Equipment's DATATrieve, going through Borland's DOS version of Paradox, and switching to Ac97 in about 1998), I have NEVER EVER found a case where using stored computations was truly necessary. Convenient, yes. Necessary, no.
The reason is that a query can be used as a data source in place of a table, but can contain your computation as one of its fields. Therefore, build your table, build a query on top of it and include computations based on the appropriate fields. Then build your forms or reports on the query, not the table. Problem solved.
...I guess that should now read "35+ years"... I imagine he didn't change his opinion.
On the other hand: if you are adding these Usernames as a default for your
existing records, but in the future some staff might have
different Usernames... well, you still don't want a calculated field (since once you set that rule it will apply to all new records). If that's the case you could use an update query to create the usernames for the current records.
Being self-taught and stubborn, I don't always follow standards "just because that's how it's done"... but over time I'll realize, "ohhhh
THAT'S why everyone said to do it that way!"
