Leosghost - 11:41 am on Oct 24, 2009 (gmt 0)

unless one really does know how to secure a machine ( in which case one wouldn't be posting the OP's question ..nor your own ) the answer is yes..

there is no overwhelming need for 999999 out of a 1000000 computer users to do so ..

if you are online as admin in windows then any malicious code you come across is going to run with full rights ...no single AV app will stop 100% of all malicious code ..

so running as admin online is IMO and that of anyone who understands the security subject just stupid bravado , ignorance or laziness ..and what can hit your machine can then be infecting or attempting to infect others all the time your machine is connected ..or spamming ..or both ..

that is as irresponsible as driving on bald tires on a crowded wet freeway ..you are not just risking yourself.