If this is your computer and you are responsible for maintaining it then there is no good reason to set your user account to standard. You are the administrator, you need an administrator account.
At least one user needs to be an administrator. Otherwise you would need to reboot into safe mode and log into the special administrators account in order to do any common maintenance tasks. A royal PIA.
The standard account should be reserved for young children or less-than-trustworthy users of your computer, people you fear my make system changes "for fun", or who just can not help but click on that dancing monkey.
Even then it is far better to teach and train them. They will need to behave as administrators themselves one day.