Vista - User - Admin - Super Admin

I'm running Vista Business SP1. I'm the only one with physical access to my system, but I need to keep files secure from the internet which is always on.

I set up two accounts, one with administrator privelages and password and one user account. I work under the user account and use the administrator password when I need elevated privelages. While it can be a hassle to type in the password, I've lived with it. But, now I'm running into an issue of where files are put by some programs. If starting the program prompts for an Admin password, the files are put into that accounts Documents, Downloads, etc. All requiring effort to find and retrieve. ARGH!!

Am I missing something? Would the same thing happen if I used the Super Administrator instead of an administrator account?

Don