There is another good reason why you should avoid logging in as administrator as much as possible. When you are changing your password, WordPress does not ask for your old one. This means that if you are logged in as an administrator, anyone with physical access to your computer could change the admin password to anything they like and totally hijack your blog. I always blog from an account that has restricted rights for this reason, and only use the admin account when I absolutely, fundamentally, really have to.