Being in IT for a number of years I get set in my ways.
This normally means that personal computers (currently win 10) are set up with Admin and separate User (standard) accounts 

A recent article I read said that when (win 10) creating a  admin account it is really a superuser (haven't validated this)

It did get me thinking about it though as I recently set up the in-laws computers thinking they will just make themselves admins any way so why bother.
Also it does seems a bit irritating that an individuals settings "partially" move with them when they set up a new pc  but doesn't fully transfer privacy settings etc.

So.....

below are 2 options (please vote) for users of win 8 onwards
1. Do you create a separate admin and standard user account for yourself
2. I create an account with where you are the admin