Hey guys, I wonder if any of you more experienced users out there could give me the benefit of your experience please?...
I'm a new Vista user (two weeks use so far) - I currently just have the one Admin user account and have installed/configured numerous programs. After reading this thread I thought it would be prudent to try setting up a limited user account for day-to-day use but have found it a royal PITA. For one thing, half the programs I installed on the Admin account didn't seem to be available to this "new user" and others that I use all the time such as Mailwasher Pro (painstakingly configured with details of at least half a dozen email accounts, spam filters, blacklists and whatnot) started up with zero config information. I really don't want the hassle of re-doing all this stuff again or trying to find the stored data, which seems to be all over the place (am using 64-bit, which is a new experience for me), and trying to fudge it by copying it to the new user's folders. So I have abandoned the idea and deleted the second user for now.
I guess I made an elementary mistake by using the Admin account so extensively to start with?
Now I'm wondering if the way forward is to make a second account, set it as the Admin a/c, then change my present main user a/c to one with limited privileges. That way I might stand a chance of keeping all the software configurations that I've done thus far. Is this a Good Plan, or are there any 'gotchas' in this scenario I should be aware of? I have certain utilities like True Image, for instance - would I be able to run these under either a/c if I so wished or am I likely to find that the new "Admin" doesn't have initial access to some of these because that a/c didn't exist when the programs were installed?
As a long term, single account XP user, this is all
very confusing for me and seems unecessarily complicated and difficult and my experience so far has been very off-putting. So any advice from someone who's been there and worked out the best/easiest way of proceeding in these circumstances would be most welcome indeed.

Sorry if this seems a bit of a newbie question but I
am pretty new to this Vista lark .
Cheers!