A limited, non admin account is sometimes referred to as a "safe user", and it's better than running in an admin account on windows, or any OS for that matter, other than when needing to install new software or run any restricted programs. There is another type of account other than admin and limited user, and that's a guest account. So, you can setup one of each and try each one out and see if you can be satisfied with a limited account or a guest account for your personal account.
I am confused with the directions in W7 for setting up safe user accounts - I need help!

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