Brink said:
It's not just about the user in the chair, it's about giving UAC permission first instead of just allowing any program on your computer to Run as administrator (elevated) and have full access to everything on your computer by default.

Just image what kind of trouble if some malware was just allowed to run with full access (elevated) by default instead of letting you give UAC approval first as a safety checkpoint.

It's best to be safe and have UAC turned on than be wide open to let everything run with full access to everything on your computer.
I agree. The few extra seconds, though annoying, really are no big deal for extra piece of mind.