For your first question, I don't feel qualified to answer that.
I'm sure someone else can step in and better elaborate.
2- i figured out how to make the account, is there a way to import the settings from one account to another?
As for #2, if you did it properly, then you just start using your now non-admin accessible account.
Should have all the same settings and whatnot. The idea is to only log in with your admin account when necessary and to do all your typical work and browsing with the standard user account.
:edit:
Mmkay. I guess I'm not being very clear or I'm not understanding your question.
Let's say the account I made when I first got this new machine I named JaneDoe and it is set as an admin account. I like the settings I've set for it, right? But it's safer to use a non-admin account on a daily basis. So I'll make a new account and give it the name, JohnSmith-- I check "allow user to admin this computer" and presto, that account is set-- the NEW admin account.
Then I make sure that JaneDoe, the first and original admin account, I make sure I
uncheck that same "Allow user to admin this computer" box and it becomes a standard user account while still preserving all the settings I've grown accustomed to. I can now do all my usual tasks w/ the settings I like with the originally made and named account of JaneDoe.
Hope that helps.