When something tries to install into program files, program files (x86), system32, and a couple of other places, Windows should tell you that you need administator's permission for that (as a regular user). A window pops up and you can just type the user name and password of your admin account. You rarely have to actually switch users.
if you do... both Win 7 and 8 have fast user switching: windows key+L
Just broke my personal record for number of consecutive days without dying!
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