Well it matters but its just easier. Since if you use a user account then you have to go into admin to allow you access to all the folders. Meaning you have to turn off simple file sharing first and then right click on every folder and or files you want your user account access to. Just about everything. Only thing on my system that will run under a user accunt without giving access is sygate. Even F-Prot antivirus will not run under a user account until you give the user write access to its directory.
Just a real pain in the a$$. Users cant run a lot of command line commands either which really bites. I use them to run my games, fav. appz, etc. So cant use a user account.
But really its up to you.
You're still safer running under a power user than you are under an admin account since power users cant access other users' data without permission. So what you need to do is make sure you can not access the admin folders on your system. Like:
C:\Documents and Settings\Administrator\
Also be sure to rename the Admininstrator account in Computer Management.
I for one block my user account from accessing all users too. So I have moved all start menu shortcuts and desktop shortcuts for example to my user account. So there is no need to ever access the all user folder under my power user account.
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