@gizmo350
I support windows networking at a local accounting firm, so I am keenly aware of priviledges and rights.. First of all this depends on version of vista that you are running. Remember "Longhorn Server" is on the way as well that addresses all of this kinda thing in networked environments..
On home machines some people make themselves administrator's instead of normal users because this gives them complete control of the machine. Also some software vendors in the past including m$ have had software that only would run with elevated rights for reading and writing files and accessing other people's resources. On Unix environments most users NEVER have or run under the administrator account, also true on MacOS..
Microsoft has been trying to discourage people from doing this and writing software that requires this for sometime (since the last XP update for security a couple years back). Running as administrator was required then, it's really not anymore. Also the way it's implemented also makes it extra secure so malware doesn't kill your system.
Anyway, my experience after beta 2 with RTM installed (did an upgrade install of my windows media center pc to vista home premium. That machine has several users including an ADMIN user, an MCX user account (limited user that is used by my Media Center Extender/XBox 360)..
All I can tell you is that after the upgrade (nividia chipset all the way AMD 64 CPU ATI 9550) I had no problems with any installed programs (except nero, which I don't really need anymore) this was not an issue for me.. Limited user accounts otherwise and guests were disabled, and it asks me for permission for anything that would require a "admin" account.. I think they took care of that issue mostly betweeen b2 and RTM builds.
I know on Vista Business on a network that things work very differently.
Even on the home and ultimate packages if you want:
Disable the firewall
Disable windows defender
Disable User Account Control
Renable the Admin account and even revert back to an XP security policy, you can still do this..
It's not recommended but everything I have heard so far here is related to a new security measure that can be disabled (easily googled for on the web)..
I do recommend people get a program called VistaBoot Pro, it gives you your boot configuration options from XP back and supports booting multiple OSes (XP, Vista, Aros, etc..)