New
#11
That's pretty much it
Turning uac off or without thought clicking through the prompts is for lack of a better word giving everything good or bad the same permissions to run,
Most of the windows security patches address specially crafted scripts that effect admin accounts with or without a password or the highest uac settings,
I've personally never used a standard account and I know the risks but leave uac on because I would like to have a prompt to know if something out of the ordinary is launching/ running without me knowing,
Most security experts would say use a standard account for everyday surfing,
Cheers.