Hi DavidR & rdmalloyjr,
It is OK what you choose, as long as you know why you choose it. If you know what more risk you run, running system with full admin rights, and you say I will take the infections into account, then it is your free choice, and we are not gonna argue with you any longer.
Another thing is users that do not want to imply secure practices, because they do not understand or have a clue what it is all about, they think it is a nuisance or they rather reformat at the end of the day, they have a false idea of security, they are afraid of change, they cannot even get bothered because they are young and therefore it does not affect them anyways it always happens to others, or one million other lame excuses, these people cannot be reasoned with, this thread has not been written for them,
polonus