I have to ask, but what are you guys doing that you need to take ownership of files on a new install? I have only been able to duplicate this once (on purpose), by moving my "My" folders from an old install to a new, which used a different username and password.
There's a simple simple way around this. Use the same username and password combo each time you reinstall your OS. Don't store your user data in the "My" folders either. Who does this anymore? Store them on a data drive. Simpler back ups, more customized options for naming, and much easier restoration after an OS install...not to mention eliminating the ownership issues.
What I did was not create a password for the Administrator, which is me. When I try to delete a file the prompt comes up that asks for Administrator Permission, All I have to do is click Yes and the process continues. Since I don't have a password to type in, it makes things easier.
That also goes against any security guide out there in terms of an OS. You never ever have the admin account unprotected by a password. That's an open door for malware to take control of the system and lock you out. You'd be much better off suppressing the UAC warnings.