Hmmm, when dealing with security in firewalls or user/program rights, the safe way to go is whitelisting (non-privileged users with possibility of escalating to admin) rather than blacklisting (by default trusting apps not in the blacklist). I know its goddurn inconvenient, and Vista doesn't really handle it in the most elegant way (and previous versions it was even more horrible), but it really is the way to go.
I still run my primary account as admin though, shame on me
. I guess a thing like SetSafer is better than nothing, but I can't help think that it gives a somewhat false sense of security - and that I should get around to installing SandboxIE or Altiris SVS.
Thanks for telling about SetSafer nonetheless