Using administrator and non administrator accounts - questions

Question

I have been looking around re security for my iMac - newly updated to Snow Leopard.  I am not very savvy re much of computer things.  I just found a pdf entitled Mac OS X Security Configuration.  It recommended having a standard nonadministrator account as well as an administrator account.  When I first set up my iMac in Leopard coming from a pc, I had telephone support for my first three years and used it when I ran into some issues.  During that time following directions from different support people I have ended up in Systems Preferences "Accounts" having 5 different accounts - one "Administrator", one "Login only" entitled "Guest Account",  and three Standard [one entitiled with my name and the other two "TEST1" and "TEST2"].  When I am in the "accounts" window in Systems Preferences, my "Administrator" account is selected, but I cannot select any of the others.
I am thinking from what I read in the article that I should probably delete the three "standard" accounts so I am left with the "Administrator" and "Guest" accounts. And then when my computer turns on, it will use my "Guest" account.  Would you agree?  Right now when I want to get back in after my computer went to sleep, I have to enter my password.  Would this not be required if I am in the "Guest" acccount?
Two questions:
(1)  I don't know how to delete those accounts - if, in fact, I should. 
(2)  How and when will I use the two accounts that are left when the computer turns on?

Answer 1

1.  You can delete the Test1 and Test2 accounts if you log into your Administrator Account. Once in your Admin Account, open System  Preferences > Users & Groups and you will see and be able to delete the Test1 & Test2 accounts.
2.  Leave your Guest account for, well, guest users.  Do not use it in the normal course of events.  When you log out of the Guest account, all the settings, caches, etc. are wiped, as are all files and folders that you may have saved in the Guest account home folder.  The Guest account is truly designed only for temporary, guest use.
3.  Leave your Administrator account for use only for installing programs, doing system administration, managing accounts, etc.
4.  User your named account as your regular account.  It appears to already be a User account.  The primary limitation is you cannot install programs in a regular User account.  This actually helps protect your Mac from viruses and other malware that would need to install software in order to corrupt your system.
5.  You can turn off the need to enter a password when your computer sleeps in System Preferences > Security & Privacy > General.  UNcheck the option called "Require password for sleep and screen saver."