[problems]

Yes, exactly, I also have sudo no password on my linux boxes. If you're on my account you can keylog me or dump my keepass DB from memory. You may as well go ahead and have root too.

UAC is particularly bad in that it also produces problems with older applications and causes other applications to pop up UAC dialogs frequently. It's a huge annoyance with little security impact.

At worst it may make malware harder to remove if I do get infected - but in my experience, 99% of the malware you find kicking around on the internet isn't rootkit loaded 0 days - it's script kiddies crapping out iStealer to dump browser passwords or darkcomet to run DDoS botnets.