Not really. If it were that easy, there wouldn't be all this panic.
Are you saying you don't care if (as a non-admin user) the attacker gets all your (non-admin) financial data and passwords and other personal info? Really?
So what if it can't trash the entire computer -- It gets all it can from your non-admin user account, and that's enough to trash you.
I remember once upon a time needed four wheel drive to negotiate a climb to a place had rented for fun. The fun was away from everything and was designed to be out in the middle of nowhere. I negotiated the climb and arrived out in the middle of nowhere, then the power went out. Spent five hours up and watching with protection drawn. Guess it was a gutless moment.