You've already created an admin account, but I'll chime in. I've got 3 Macs for my use (a Mini and rMBP here, and another rMBP at a field office), and a few dozen in my small company. I use a different set up than most, and I've read about several different types of set ups. My Macs (and those of my company) have one admin account, and multiple standard accounts. I'd recommend a standard account and not an admin account, and I disagree with a previous statement about being able to install apps with (only) an admin's credentials.
My work and personal Macs have one admin account - and it's only used to install apps/drivers/updates and manage users. A standard account is used as work space. On some Macs a second standard account is used for personal/misc tasks - like email and surfing the web, as I'm doing in my "surfing" profile now. On a few Macs one additional profile is used solely for account and financial management. Documents shared across user profiles are put in the Shared folder - that's what it's there for!
I used to use multiple admin accounts, but ran into permissions issues. I've also been reading here on this forum about adware/malware/other issues - I'd wager a small amount they're working in admin accounts; we have had no issues at all over 3 years with my setup.
As to installing apps, user-specific applications can be installed in standard account - that's what the ~/user/Applications folder is for! I have several apps installed in my "surfing" user's Application folder, including several Fluid web apps, a dev version of the Opera browser, and an email application I use only for my junk Gmail accounts.
For what you're doing, there's no reason to create and use a second admin user account. IMO most Mac and Windows users aren't accustomed to setting up their PCs that way - I wasn't but tired of dealing with permissions and malware threats and, on Windows, well I hated dealing with the Registry (still do). I'd also wager a small amount that you'd be hard pressed to read about others with account setups like the one I'm describing and using having problems with their Macs.
FWIW, I also have an Apple TV and an iPad I can use with iTunes Match for streaming music. I also sync some settings via iCloud, and use multiple iCloud accounts to segregate settings across devices. All of this only takes minutes after a little forethought.