Re-configuring user accounts

When I first installed Vista (Ultimate on my husband's machine, Home Premium
on mine), I had read that we should be running in standard user accounts
rather than as administrators, so I installed that way on both machines. But
as I found out more about the way UAC and administrator accounts work in
Vista, I realized that we would be happier running as administrators, since
we'll still be prompted by UAC when we do stuff that needs true administrator
privileges.

So, my question is: what is the best way to "fix" the accounts? I want one
account that is the administrator account, and has all the user info from the
user account that is currently the main account. I also want the final single
account to have the name of the user account rather than the administrator
account, if possible. (I named the user accounts with our first names and the
administrator accounts with "AdminXxxx" where Xxxx is our first names.)
Practically all, if not all, the user files are in the C:\User\Xxxx\...
folder structure, while practically all of the program information (since
most programs installed with administrative privileges) are in the
C:\User\AdminXxxx\... folder structure.

Also, what happens if I delete the AdminXxxx user? (So far, I have changed
the Xxxx users to administrators, so there are currently two administrator
accounts.)

I have read here and there remarks about using the Easy Transfer program to
migrate from one user to another, but so far only in the case where all the
information was entirely in one user's folder structure (i.e. to change the
name of a user everywhere as opposed to just the display name).

Thanks,
Kira