I don't think not having a system checkpoint created daily at startup is that uncommon. I've found it to be that way with all of my computers running XP.
Yesterday, I installed RAMdisk which deleted all my restore points and wouldn't allow 'system checkpoints' to be made daily. I uninstalled it and turned off system restore, rebooted and then turned it back on again, it created a system checkpoint but there was not one for today. Any ideas how to resolve? TR