You're right, I didn't realize my default account was admin. Now, this option is really good enough for me, but if I put in my admin password and get in there once, that permission will be added to my user account. How can I remove this later?
If it is a limited account, and you use your admin password one-time, it will remain a limited account. Next time you need admin permission, it will ask for it.
You can switch permanent permissions on an account, i.e. limited or admin, at any time.