Make changes to my Account in PC settings. I have to have a Fing password to do this. I do it because the machine is not a warrior, and I've no one to do battle with.
Its exactly because of people like you why Microsoft introduced UAC and the requirement to enter a password to undertake privileged tasks.
Without UAC et al., a user double clicks on an attachment in an unexpected email, which duly self-installs a trojan on your system silently. At least with UAC and password prompts, the user is given a chance to demonstrate just how much of a moron they really are ! It turns an accident into a deliberate act of idiocy.
Not saying you would do such a thing, but just saying that the extra prompts give people who have not yet grasped the fundamentals of IT security and good sysadmin a second chance before messing something up.
In the real world of IT systems administration, you will NEVER find any techie logged in as Admin to a machine (unless the task at hand requires it, obviously)... they will login with an unprivileged user and then elevate privileges on a case-by-case basis. There is absolutely no reason why you should not do the same with your home PC..... I do. Its best practise.