All of my Macs are set similarily. Still, due diligence is required on my part because my log in is the admin. Now that I read what you've done with your's, I'll copy your method.A tip I found very helpful on my mac
1. Create an admin user account - Mine is RichAdmin
2. Create an individual user acount w/o admin privileges - Mine is Rich
3. I run from my Rich account. When I need to install software I need to login into my Admin account.
4. If I accidentally load a virus or other evil program, it can not install itself unless I enter my admin account info.
A bit of headache but worth insurance.