"All I want to be is a standard user and authenticate as an administrator when necessary. "
- I'm still not clear on what you are doing, or trying to do.
If you want to 'authenticate as an Admin when necessary' (do something requiring elevated privlidges ?), you need to log on
with a personal User ( 'my name and email' ) Admin account to perform those tasks. Then switch back to your standard User account.
In this instance you need two accounts.
- The default System Admin account is not meant to be used as a personal User account, and shouldn't even been visible in the main Users folder.
This is meant for the system (Windows updates, etc), troubleshooting, and as a backup should your personal Admin account become corrupted.
- The main reason for standard accounts is if you have other peoples accounts on the one machine, in which case as 'the boss' \Admin
of the machine you would not want the others messing with settings or installing \uninstalling software without your permission.
- Personally, as the sole user of a PC, using a standard account is too tedious to bother with. Unless you rarely do things that
require elevated privileges.
Yes, there is a very slight additional risk of being hacked\attacked if logged on with an Admin account, but I've never had any problems
(virus\malware\hacked) running with only an Admin account since I started using a PC in 2004.
Due diligence, and running an Anti-virus and firewall real time is adequate.
You can set UAC at a high level if you want more protection via constant reminders that you are about to do something that has
a small chance of compromising your system, but I also find UAC tedious and have it at the lowest setting.