Unless you have very specific reasons to use minilogin, I would never recommend using it. You can do a search and see all the problems it causes(Im sure in its day it was useful).
Running off the public login is not only easier but when you eventually decide to open up your server(which most people do), then you are already set up.
However you do not need to enter a loginserver id or pass in the xml file, that is simply if you have created a worldserver account(see login server page). If you do not enter that then you server will show as unregistered on the server status page but you can still run a server.
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