I remember that Win32 apps on Windows 10 and 11 can do whatever they want with the users personal files. Has that changed?
Basic hygiene is very simple: never run as Administrator. Create and use a regular user or poweruser group user. It's similar to a regular linux practice. Use Administrator account when needed only.
If you trust yourself to not blindly click OK on every UAC prompt, a single user account in the admin group is fine.
It's not enabled by default, though. Enabling it by default would probably break just about every Windows program out there and like UAC on Vista, everyone would turn it off immediately.
Computer asks for password. I type in password.
Admin access prompts are honestly a joke even on macOS. The source is completely opaque.