Unless you have an app that refuses to work in a limited account, you should not perform daily tasks as admin. Running as admin leaves you wide open to whatever you click on. I always have two accounts, one a admin, and one for online/limited. I browse with the online/limited account only, and have never found an app that wouldn't run as limited. One thing to keep in mind is that whenever you want to install or delete anything in your limited account, change it over to admin for the time it takes you to make your changes, run the app and make any settings changes you want, then change it back to limited. This should also apply to any prefs or settings changes you want to make stick in your apps.