So you mean desktop & browser smart screen both prompt for malicious as well as completely unknown files, right?
Guess the database for both would be the same i.e if you continue with unknown file by the browser SS then desktop SS will prompt on execution of that unknown file, right?
And guess malicious prompt will be like malicious or malware & unknown prompt will be like unknown or unrecognized, right?
I guess you can continue with unknown file i.e an option to continue on the prompt, right?
Can you continue with malware file i.e is there an option on the prompt to continue in case of FPs?
Windows SmartScreen are a reputation database.
Of course you can bypass it, if you are admin - but why would you ??
When you get prompted that you are downloading or executing known malware - why on earth would you disregard the warning ?
If prompted that file is completely unknown - why would you disregard the warning and be test person on the unknown file ??
Furthermore, you just set Windows SmartScreen to acquire Admin approval.
When running your daily work from a limited account, then you will not be allowed to bypass the prompts without the Admin password.
Going a bit off topic - all in all, Windows are very capable of securing itself.
You can lock down a system with GPO and SRP.
No need for third-party clutter. Just use the security natively built right into Windows.
And on Windows 10 Enterprise, we also have Applocker and Device Guard.
Again native Windows security.
You can make Windows so tight that not even a mouse will be able to pass wind.