The difference is Apple is much more likely to progressively make these legacy feature compatibility more difficult for users to configure over time, and to remove them eventually.
Microsoft's implementation was (twenty years later still is) a joke because it prompted users to hit enter or click a button.
Ironically Apple just recently added the same simpified approach.
It is the default (unless they changed it in the last 2 years or so). I know for a fact that my PC and Laptop don't ask for my password and I know for a fact that I reinstalled Windows on my laptop less than 2 years ago and changed nothing regarding the UAC prompt (the closest that is even remotely close is enabling sudo in the settings).