No Admin rights for routine stuff
Don’t count on your good karma. Don’t pray to God (no matter if your God is Steve Jobs or Bill Gates). It’s not a matter of it, but when you’ll become a victim to a cyber attack.
But there’s no reason for you to take it personally and wonder why would anyone take interest in you – most of the attacks are automated. Malicious code will just scan for your system’s vulnerabilities, to see how it can be exploited.
Chop off their odds to succeed: create a regular User, that doesn’t have Administrator rights, and use it when you run your operating system.
When you run your PC as an administrator, it makes your system vulnerable to security risks. Log in as a User when you perform routine tasks, such as navigating the web and running programs. This will limit the cyber risks you expose your data to.