>>>It's a system protection method. If you had full rights and malware got into the system, it too could get full rights and cause all kinds of problems.
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>>I am the administrator of that PC so I want to control what's on the C: drive. This would seem to be a logical thing to do. I want to work with this PC and, lucky me, if I wouldn't have created a VHD for a D: drive, I wouldn't have been able to do anything so far on that PC.
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>That's one of the worst thing you can do, to set yourself up as the administrator on your PC. If you get a virus, the virus will have the same rights as the current user, you, the administrator.

Since Vista, so-called "administrator" accounts really aren't. If you've set yourself up to use one, you're still by default running with reduced privileges. You still need to explicitly elevate to "real" administrator privileges to do a lot of stuff we took for granted under XP and earlier.