What's my Computer's Password?

I have one account setup (which is my normal user account with admin rights) with a password. I can login without any problems.
Sometimes (usually when synching iDisk, but not always) I get a prompt to enter the "Computer's Password". If I enter my user password it's rejected. I can access the keychain, login to the computer and manage my account which are all password protected but I can't get passed this dialog. I don't understand what password it's asking for.
One other question please. Is it considered bad practice to give yourself admin rights and have only one account? Should I have a user account and an administrator account?
Thanks for your help!

iDisk uses the password you chose when setting up your .Mac account at Apple. It does not have to match any password on the computer. If you forgot the password, go to
<http://iforgot.apple.com>
You should set up a non-administrator account for normal use, and reserve the administrator account for software installation and system maintenance. This will help protect the system for malicious software and user errors.

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