so what task require you to log on as an admin ?
That's obvious to man of your intimate familiarity with Windows, surely?
Installing and removing software and drivers, for one -- something which I naturally have to do a great deal as part of my job.
But your claim that: "People running standard rights without AV are better of to those running admin with AV" troubles me considerably.
Even Microsoft themselves state: "Unfortunately, there is a lot of malware that runs with Standard User privileges. Even though it cannot corrupt the whole system, it can damage user files and spy on users."
(Full article here)
Clearly, running as a standard user is a 'Good Thing' is highly advisable and should be encouraged wherever possible... but using and maintaining a good, efficient anti-virus system should be equally highly advisable, if not more so in my view.
Technical Editor, Sound On Sound