Standard User Account (SUA) cannot run programs as administrator without signing into an administrator account from within the prompt, which means the process of running a program as administrator is lengthier (more time to think before you do!).
If you stick to a SUA and make good choices you'll be good to go. Remember that malware doesn't always require elevation, bad things can be done with standard rights too. Therefore, it isn't an excuse to be click happy!
SUA pretty much is about a user account with less rights -> can do less than an admin account.