Use Standard account, even if you're the only user?

> If you're the only user, do you create a standard account to use for
> saving
> files and such, and use Administrator account only for changing settings
> and
> loading programs? When I first started my new computer, it created an
> Administrator account, I added a password, but when I tried to load
> drivers,
> I kept getting a message that I didn't have permission. HP Support had me
> delete password, load driver in safe mode. Had huge problems thereafter.
> Don't think you should load a program that's not for Vista in Safe Mode,
> even
> if Support tells you to. Finally had to reset computer to factory
> settings.
> Solved some problems, but I still had weirdness when installing drivers
> untill I created a Standard User account and gave Administrator account a
> password. So far so good. Seems silly to have to use two accounts when
> I'm
> the only one. I've been two months getting starting with my new computer,
> but
> I think I'm on my way.