Downgrading main account from Administrator to Standard--will I be sorry?

My New Year's resolution is to downgrade my main the one my Mac boots into from Administrator to Standard. I plan to do this by un-checking the "Allow User to Administer Computer" box in System Preferences, Users and Groups. My theory is that this should do no harm and may improve my security in the event that I accidentally click on a malware link or something.
I've created a second account that does have administrator's privileges, so that I will have a way to re-enable them on my main account if I need to. I don't want to start fresh in a brand-new standard account because I have too many preference settings and other things in my current account.
Before I do this, can anyone can tell me in advance what the consequences will be? Will it create any nuisance problems in the account, which has always had administrator privileges, or will I just be prompted for an administrator's name and password a little more often than I am now?
Could I paint myself into a corner and find I could not re-enable administrator privileges?

It should not cause any problems. You will still be able to authenticate certain things in the Standard account by typing in both the other username and password from the admin account. So, you may not even need to switch accounts very often.

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OS Version: 10.5.4 (Build 9E17)
Architecture: i386
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Here is part of the opening of the seven page error report.
One log is not 7 pages long, though it may appear that way: )
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Library/PrivateFrameworks/SyndicationUI.framework/Versions/A/
SyndicationUI
hths explain posting it.

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Settings > iCloud > Delete Account will only delete his account from your iPad. Then you can add your own.

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Consider a trojan that modifies Safari, so that next time you make an online purchase, Safari captures your credit card number and sends it to a third party. If you opened that trojan as an administrator, the trojan could install itself without your knowledge. If you were running as non-admin, it would have been stopped in its tracks.
If you need any more convincing, you can read what Apple has to say about it:
Each user needing administrator access should have an individual administrator account in addition to a standard or managed account. Administrator users should only use their administrator accounts for administrator purposes. By requiring an administrator to have a personal account for typical use and an administrator account for administrator purposes, you reduce the risk of an administrator inadvertently performing actions like accidentally reconfiguring secure system preferences.
Unless administrator access is required, you should always log in as a nonadministrator user. You should log out of the administrator account when you are not using the computer as an administrator.
(from page 42 of this document)

Downgrading main account from Administrator to Standard--will I be sorry?

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