it is purported that creating a separate admin account then setting your admin acct to a std user helps with warding of malware. In order to do any admin tasks u must enter a PW.
The purpose of UAC is to help ward off malware. If set at default, in order to perform admin functions u must dismiss the UAC prompt with a yes/no.
In either case u must do something to proceed.
The question is -- what additional protection does a std account give u over UAC?
IE, what admin tasks can malware perform that will not trigger UAC such that a std account will provide protection?