I don't think anyone bothers having a limited user account and a separate admin account for changes only. I think it's too much hassle, besides ya can do what ya like to my system, nothing much on it and an hour will bring it back to the beginning. I'd assume most home machines are the same!
Another tip was, use the onboard keyboard and click the characters when entering cc details, so keyloggers etc couldn't see what ur typing. But of course some can take screen snapshots, so again, why bother?
Home systems are safe enough with well updated OS, AV, firewall, anti-malware proggies and loads of common sense.