Kelper,
If your computer gets infected by malware, does it make a difference if you were logged in as admin, or not?
The main consideration is the probability of infection. The UAC level affects that.
Once infected, the malware is limited to those areas of the computer it can access.
- If it infected a Standard user account then it can wreck havoc only in areas accessible by that user.
- If it infected an Admin user account then it can wreck havoc in areas accessible by that user. And an Admin user account can access so much more, including other user accounts.
But some malware claims to be able to self-elevate silently [i.e. no prompt appears].
I looked into malware that preyed on Admin user accounts a few years ago [2017, 2019].
- There was no malware that claimed to be able to silently elevate itself to run Admin processes if your were logged into a Standard user account.
- There was a lot of malware that claimed to be able to silently elevate itself to run Admin processes if your were logged into an Admin user account and your
UAC was at the default level [2nd to top].
- There was no malware that could silently elevate itself to run Admin processes if your were logged into an Admin user account and your
UAC was at the top level. There was one that claimed to be able to do so but it failed [perhaps a Windows update had got in its way as it was over a year old when I tried it].
I have not attempted to stay current with the topic, I just don't have the time any more.
I keep all my computers' UAC settings at the top level because I habitually log in to Admin user accounts. And I keep the Built-in Admin account disabled on all my computers.
Merry Christmas,
Denis