The concept of using a standard, non administrator account, for your daily use is strictly from a security stand point. If you are doing your daily thing from an account that has system wide write permission, any virus, trojan, or spyware that you run into will also have system wide write permission. On the other hand, if your daily account is a standard user account, any malicious program you run into will not be able to write beyond the home folder of the account your logged into. Thus the malicious program will be at the very least handicapped, if not disabled.