On a new install, When do I branch off to Standard User?

Hello all, and thanks in advance for any help you can provide.

Seems like a simple enough question, but not one I'm easily finding an answer to - either here or in Google. If I'm the 4,376,124th user to ask this question, then please be done with me and point me at the right link. I'd appreciate it.

I'm doing a clean install of Windows 7 and, at some point, plan to branch off from Administrator and create a Standard User account which I will use thereafter. Many people seem to believe this is the safest way to run - though in the past I've always just done the simple thing and run as Admin all the time. If you think this is a bad idea, point me to a link or tell me why. I'd really appreciate it.

Otherwise, my question is this: When do I create and make the switch over to the new Standard (non-Admin) account? Right after I've install W7 and all the drivers and all the updates, OR later after I've installed Office, Photoshop, and all my various utilities? Not having done this before, it's unclear to me whether everything I install with just the Admin account will be visible with the Standard User account. It'd be nice to make the switch AFTER I've installed essentially everything I plan to use so that all the software would be accessible to both Admin and Standard user. Does that make sense?

You'd think Microsoft would have a simple discussion about this on their website since they really push not running all the time as admin. Perhaps I'm just not finding it, though I think I'm pretty good with Google. Any help or advice you can offer would be MUCH appreciated. Thanks!

The standard user account will constantly be badgering you for the admin password to install apps and do various things.

I would at least suggest creating a second user account with admin privileges, this way if there is a problem, you can always return to the clean main admin account to troubleshoot and attempt resolution.

If you are the only person using the machine and plan on installing an antivirus application I really don't see the harm in using a user account with admin privs, I would not use the primary admin account though.