Limited Users / No AV software --How Safe

I don't feel like using reg hacks and special permissions to enable virus defs to be automatically downloaded and installed by limited user accounts. I haven't seen any AV software that installs to the home directory, I believe they all essentially insist on something in the 'Program Files' directory. Obviously, I am unwilling to create administrator accounts for all users just for virus defs and thereby creating a giant catch 22. The way I see it, if I can't install virus defs in a limited user account, I couldn't install *most* viruses either. I am about to eliminate this licensing and subscription headache altogether and opt for mandatory limited user accounts and XP upgrades. Any opinions? How would a sasser or other exploit potentially deal with limited user accounts? Thanks.
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Relevant Pages

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