Thanks BarMan... From what I briefly skimmed in that article, the main reason to use a standard account is so that when you attempt a process which requires administrative access, you're confronted by a password requirement.
Well, that is exactly what I've done to my account. Instead of being able to launch an elevated command prompt by just a right click and a "Yes", now I have to enter a password in order to open the window. In other words, my administrator account now functions exactly like a standard account, except without the headaches that I somehow ran into.
If my standard account worked properly I would just use that, as it can still perform all of the administrative functions, you just need a password. But, since it doesn't, I've converted my admin account to function like a standard account.
EDIT: Another good security tip for user accounts.
Force users to log in with both the username and password:
Log On with User Name and Password
Force users to press ctrl-alt-dlt to log in:
Secure Logon - Press CTRL + ALT + DELETE to log on