Use A Limited Account, Or An Administrator Account

It's apparently a lot safer to use a limited user account, and that's what I'm trying now, but it's also a pain-in-the-a$$.I also don't understand why the XP installer forces you to create another admin account, when you could simply login as 'Administrator'.You're supposed to login to the admin account to install everything, but when you do, in most cases, the shortcuts seem to only be created for the account you're logged into at the time. Very messy.The list goes on, and these things have probably been discussed before, but why is there a single 'Program Files' directory, which all users have access to? Surely there should be a separate directory for each user, so user A cannot access programs installed by user B, unless of course it was meant to be shared?