Use built-in administrator account or create new one?

[Luc]

If I understand it correctly, for security reasons it's best to have a
separate administrator account and a standard user account, even on one-user
PCs (as in my case). However, which of the following two is the better option:

1. Enable the built-in administrator account and "downgrade" the account
that was created when Vista was installed to that of a standard user;

2. Continue using the administrator account that was created when installing
Vista, create a separate standard user account and leave the built-in
administrator account alone.

Thanks for any advice on pros and cons for any option (unless it's equally
safe -- convenient it is for sure -- to have just one account if there's only
one user).

 

[Luc]

Thanks Shawn:

Actually, I hadn't thought of that possibility. I'll follow your advice and
have two administrator accounts (a standard account being a bit too
restrictive).

Regards.