Sorry. But a computer is not a machine where you constantly install software on. Installation is administration of computer to get the software that you need to work. After that you use the software. As you can read out of my wording: administrator accounts are for administration and user accounts are there to use the computer.
I always wonder about those people that seem to install new software almost every day. These are the ones who - in my opinion - are destined to get a virus very quickly. I have to do installations only every couple of weeks. And it is not installations but only updates to already installed software that I am using. I don't remember my last real installation of something new. And and XP Prof. you can always run a program with the right-click "Run As...". That is what I am doing generally to install updates: I download it as user and run it as administrator while logged in in my user account. Only a few installers have problems with this...
Gerald