Well then if you have a clone just rebuild it.
I would still run in user mode without admin rights.
I would say I am more than savy and have sensible protection but I would still never dream of running with Admin rights.
And if your about rebuilding maybe think about win7 from a admin point of view its very easy not to operate in admin mode. It will let you upgrade for individual acts. I haven't had any issues with it yet appart from access to certain system files which a normal punter wouldn't want to touch anyway (which is proberly why they made it a PIA to edit them)