Does it make sense to use the account a standard user with UAC enabled?

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Now I use UAC+standard user account, if I understand correctly the security system of windows 7, then on application startup the difference between standard user and admin not (you still will be prompted for escalation).

Of the differences that I see:
1) the Need to enter the admin password instead of clicking Yes when achalasia rights under the standard user
2) the Inability of the program that received the escalation of rights (running from admin) to have access to protected personal user documents (which belong to the working account a standard user).

Are there any pitfalls regarding security when using the default account admin + UAC?
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