Let's face facts here... Nearly EVERYONE runs with FULL admin privileges. You have the choice to create an admin account and run a second, standard account, for day to day use (Max the UAC security). MUCH safer in every single way but do people do this? No. Do people spread this knowledge? No. Windows IS a safe operating system that's run wide open by everyone.
The USER is the issue... not Windows. Heck when MS released Vista with UAC what did the web say? Turn it off. Dumb.
As I told before, I never play with security that also include UAC.
I was using Microsoft essential security(terrible antivirus).
Windows have very sophisticated virus and it can fool any user.
A good Antivirus is the only solid solution for that.