Windows has always been hard to use without giving yourself administrator privileges, which you have to do by logging in as an admin-enabled user, and then everything that happens on it is run in privileged mode and it's trivial for malware to install things in the operating system where they can do the most damage and/or take control of your PC.

It's easy enough to have separate accounts on your PC with Windows XP that don't have administrator privileges. Would there be any advantage in using one of them most of the time, and only changing over to a back-up one with administrator prvil4eges on the rare occasions when I need to exercise them?