CoccoBill,

I wanted the readers to understand that a LUA does not fully protect them from potentially becoming part of a botnet or having other malicious events occurring. Decrease the probability? Maybe. If you go to an attack site, your computer will be targeted. LUA won't prevent that. It will potentially limit the depth of attack on your computer, but compromising your system is still likely.

The bigger picture is the layers of protection you can create for your system.
Safe Surfing-->Firewall-->Antivirus/Antispyware-->Updated System-->Registry Monitor.

I have not addressed the importance of System Backups; this will be for another post. However, if all else fails, and repair is not possible, having a way to recover via Backup is wonderfully preferable to wipe and reinstall OS from new. Just a brief preview on this: creating an image of your existing system, and storing that image on an external Hard Drive, will save you much grief. My tool for this is Acronis True Image. Another choice is Norton's Ghost, but.....I made my preference clear, i think.