I work for county gov and we have a well implemented network, everyone logs on as a user, even the network admins and yes even us (the programmers). As long as you have someone that knows how to manage MS networks you should never have to log in as an administrator.
That being said, some groups have certain admin rights on their workstations.
At home, I rarely have a need to log in as admin. I have a stable network of several different operating systems including a Palm IIIc as well as a linux based handheld. The home network offers me wireless as well as cat5 connections giving my complete roaming
So... no, I don't run as admin unless I need to do admin things. =)