Microsoft's Secure Desktop feature is actually incredibly well designed, and provides strong protect against fraudulent prompts or prompt interception attacks.
It is the default (unless they changed it in the last 2 years or so). I know for a fact that my PC and Laptop don't ask for my password and I know for a fact that I reinstalled Windows on my laptop less than 2 years ago and changed nothing regarding the UAC prompt (the closest that is even remotely close is enabling sudo in the settings).