The UAC is no safety against malware and co.
I have to disagree, too. For exmple, look here
Faulhaber (Microsoft software design engineer) stresses that UAC isn't specifically intended for protection against malware, but used and configured properly it can make the jobs of malware authors more difficult. "In addition to always updating your software and running up to date antivirus, the best thing to do is to leave UAC enabled," writes Faulhaber. "UAC is not intended as malware protection, but it's another layer of security to help improve the safety of Windows."