yup, totally agree. for security reasons I use a standard account. I think 99% of people should do that. Have a admin account whose password they know for delicate changes, and their day to day account should be standard.Those users who can't imagine Run as Admin could be in a submenu probably shouldn't be using Run as Admin in the first place ;-)
What bugs me to no end is the tendency of many Win32 programs to ask for the admin account during installation or for certain operations. It can be okay sometimes. But there are games that do this, for instance, and if you run then with an admin account they work perfectly, but if you are on a standard account, the saves are never recorded in your account profile but that of the administrator. Problem with this is that if you run the game as a normal user, your saves and tweaks are nowhere to be seen.