I don't know. I am admin on the machine as most programmers are admin.
Secondly, most home users with the XP O/S or any NT based O/S run with admin rights on the machine in spite of being told not to do this. This doesn't hold true for users that don't need admin rights on the machine in a corporate environment. The machine is setup with them not having admin rights by the support staff.
With that being said, for those that run on the Internet with admin rights with the XP FW, if malware can get there and can be executed, it can easily make the registry change to disable the XP FW. And on the reboot of the machine the end-user would not even know that it was down.
I just don't like this situation with a PFW solution. Granted, all the solutions can be taken out, but this one on the XP O/S with XP's FW is too simple to do.
Duane :)