Yes I do use standard account for normal use, and admin account for only admin stuff, and also save all downloads in backup folder, run malwarebytes scans weekly on all systems (Free version) keep plugins up to date, and apply all Windows updates on patch Tuesdays. Disabled java on 8.1 machine since so far most sites I use don't need it, and if one does then will reenable.
Laptop is Windows XP Sp3, purchased in 2005, so far runs Avast 9.0.2008 pretty well with only 1gb of ram lol, amazing for sure lol. Desktop Quad Core AMD A6 System
(just fun part on laptop removing MSE completely prior to reinstall Avast Free on it in a few moments)