[Simply Computers] Recommendation about using/adding Standard User in Win7

 

Hi all,
I have a Dell XPS 9100, Win7 Home Premium. I have a firewall (ESET) and am also behind a wired router.
I read in several e-newsletters that it is not a good idea to do everyday computing logged in as a user with Administrative rights. That is what I currently do. I have one user with Admin rights, and the Guest User is not active.
The recommendation was to set up a Standard User, and use that to work (e-mail, Word, Web surfing, etc.), and switch to the User with Admin rights only when needed.
So, my questions are:
What are your thoughts about that recommendation? Should I be a Standard User when using my computer? If you think yes, what do you recommend as the easiest way to set up the Standard User? I want all of the programs I use now as the User with Admin rights to be available to the Standard User. I want the Desktop to look the same, I want Windows Explorer settings to be the same, Firefox Bookmarks available, etc.
Thanks in advance.
Ellen

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