Only way to be safe is to not to use windows.
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Admin accounts on Windows have little more control of core functions than a guest user. Its unrealistic to expect this can be prevented it can be mitigated but any workaround will be undone by the next major update.
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I haven't touched Windows since 7. I can't imagine how horrible it is to use now.
Would be interesting to see how this changes with changing official settings, then again with common tools like O&O
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