[brich]

I think you've affirmed my basic thought process. I always feel insecure running as Admin in XP Pro, but it can be a real pain to actually use that system with lesser privileges. I definitely see your point about the ability of a Standard User in Tiger to authorize...I suppose a Trojan that would install on an Admin account without triggering the authentication dialogue could be a concern.

That said, your common sense and vigilant approach seems more appealing than some of the 'chicken-little-the-sky-is-falling' near hysteria I'm reading re this trumpeted OSX incursion...