XP Security - do I need it?

  Carafaraday 11:38 16 Jul 2004

I have Windows XP Home (brand new pc).
Norton firewall, Norton anti-virus.
I am only user.
Don't have broadband.
Use internet for travel arrangements, banking and email.
What would be the best (and easiest) way to set up Administrator/Owner accounts (don't really understand this bit!)?
Can I just leave it at the default settings - no passwords required?

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