iMeowbot said:File Vault only encrypts the user's home directory, so the contents of the shared /Applications and /Library folders would not be affected by that.
You can probably skip using File Vault on a dedicated admin account, because you're not supposed to be doing regular work in there anyway.
Go into your Applications folder, and try Get Info on a few applications. On at least some of those applications, you will probably see "you can read and write". The "write" part is the kind of thing we are trying to avoid. "can write" means that you don't need a password to change those programs.
Ah, okay, if you've checked ownership then you have already made the write problem go away.
Not really.
Great, thanks. Really appreciate all the patient answers!