You are going to be kept quite busy keeping up with your two accounts.
The first thing I do when I install WIndows is enable the hidden adminsitrator account, log off, log back in as Administrator, delete my named account in User Accounts, then run as Administrator full time.
I cannot see that I lose any level of security by doing this since I already know what I am doing.
What I do lose is being second guessed on every thing, having access to files forbidden, and just about any other annoyance that once gave my computer more control over itself than it allowed me.