Which is exactly how I'm configured to run at both work and at home, as a limited user. As a matter of fact as this conversation has continued, your only real gripe of significant merit has turned out to be how Windows is configured by default, to give the default user full admin rights. You should have just said from the beginning "Windows users should not login as admin" and we'd have actually agreed instead of it having to be beaten out of you 150 posts later. ;-)
You never read the article, did you? Or the other threads on the same topic.