Why use a standard user account (User mode) instead of an administrator account like XP?

The standard user account can help protect your PC or laptop by preventing users from making changes that can affect ALL who uses the computer.

We recommend creating a standard user account for each user.

When you are logged-in to Windows with a standard useraccount, you can do almost anything that you can do with administrator login, but if you want to do something that affects other users of the computer such as installing software, Windows might ask you to provide a password for the account.

See: http://unlockforus.blogspot.com/2020/09/how-to-add-password-to-every-important.html