Forum Question: Standard user and Admin User

When you surf do you use a Standard or Admin user account?
I was told it’s safer to use a Standard user account. Can I convert my Admin user to Standard, then switch it to Admin when I install software & software updates? Or am I locked in to one type of user for the life of the account? I believe the only time I need an Admin account is when I do install software, correct? What other limitations are they in using a Standard account on a daily basis?