Ideally one should use the WinXP Limited Account for everyday use, I agree. But from experience the Limited Account just doesn't cut it for me. On my everyday computer use I run a lot of different applications for work and they just don't behave right when under a Limited Account. I think the Limited Account was poorly implemented by Microsoft as it never allows you to escalate to a higher level when certain tasks needs to be completed.
I also use Ubuntu on a daily basis and I think the Linux implementation of privilege escalation is much better. When using Ubuntu, if I need to change administrative settings, or install a software, etc... I can just type in the root password and do all these tasks, without having to be logged on as root.
What I do with Windows XP, and also my recommendation to whoever needs to use an Administrator Account, is to always have a good and up to date anti-virus, firewall software and anti-adware/spyware. And of course, always use good judgment. Unless you are expecting the file, never run any files you receive as e-mail attachments, even if you know the person sending it. Be careful with suspicious sites, be careful with what you download. You know, just use good sense.
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