Recommended accounts in Win8

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What sort of accounts is it best to use with win8? Windows has long been criticised for being vulnerable as it didn't have linux style root/user accounts. Win 8 does have admin/user accounts but it seems that the install process pushes you into setting up the initial admin acc with your MS login presumably to use as a daily acc? There are no warnings on the admin acc or suggestions to create a user account for normal use.

As the only user of a home computer is it worth setting up seperate admin/user accounts or just stick to one admin account?
 
Ideally you'd have a separate standard user account linked to your Microsoft Account, but as it is you're still running as Protected Administrator and is appropriate for a single user system.
 
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