Disable link to user's info

Hi, I would like it to where users cannot access other’s user area. The only place I see where a link to a user 9in a basic set up) is in comments, correct?

I have been searching around the forum and came upon this thread:
https://userswp.io/support/topic/username-privacy/

and am thinking this is close to what I am looking for? I like the idea of last name as initial only also.

The thread discussed various settings, that I cannot seem to locate at backend, so can someone tell me where these are? What am I missing :)?
First and last names can be set to “yes/no/let user decide”.
There is a field called Display Name you can make required.

If the reference thread is asking for something different then I am trying to do, ideas on how I can pull this off?

Thank you!!