I would be the last member to contradict anything that is read in the excellent tutorials that are provided by Brink and the Forum. I cannot forsee the future and what may or may not happen. Knowing all the facts that you have presented, plus the experience of many other members, I chose to have a another Adm account. I have never had a problem. In addition, a close friend, who lives many miles away, has allowed me to use her computer and gave me my own account, it is an adm account. She called about a month ago, because she inadvertleyl screwed up her account and could not get in. I gave her my password and she is up and running. The only advice that I can really give in this area is to weigh all that you have read and know and choose what is best for yourself. Give some weight, however to the fact that I use the advice that I have given you.
Take one more step, as I do, make a system image, put it in your drawer on a separate hard drive. Update once a month and you will not have any serious problems.