Oooo...Is it clear to pop one's head up yet?
I used find myself saying to some poor beleaguered first officer now and then, when Training Captain Daemonic is blazing at you, just hang on to you seat and
listen. Somewhere in there will be a nugget, and you will have gained on the day.
Here's my nugget.
The correct approach to this is to enable the true admin account (it's disabled by default in Windows 7) and take your everyday account out of the local admins group (it shoudn't be there anyway). Use the admin account only when needed, for example when installing software you trust which needs admin rights. You don't have to log on/off to do this - you can use "run as".