I did this for close to a decade and I agree it's important, but I feel it's less important on Monterey with Apple Silicon. They're really locked down a lot of things with the ARM binaries. And, there are a few things which have just become so tiresome when running as a regular user, that I finally just gave in and upgraded to an admin user.
> "there are a few things which have just become so tiresome when running as a regular user"
Like what?
I had a situation with my new Studio where elevating didn't work. It got into a loop (asking for permission, getting it, trying and failing and asking again), but I can't remember now what it was... it was in the setup phase, and I'm foggy on exactly what it was.
I'm also curious as to what is tiresome running as a regular user. I'm a developer and run two users (standard/admin) without any issue. Only issue I run into is having to switch to the admin user to run brew.
Remember when Apple made a delusional commercial that mocked UAC [1] yet here we are over 15 years later and it looks like Microsoft was the one that got it right. Under Windows you can have multiple windows open each running as different users.