It is indeed safer both from a security standpoint and from a configuration standpoint. Not only will much of the OS X internals be hidden or relatively inaccessible from a limited user account, but as a limited user, you'll have to log in as the admin to do more things-tasks that you could have done without thinking when logged in as the admin. This is a Good ThingĀ® because you have to stop and think about what you're doing-"If I have to provide an admin password for this, is it smart for me to do it?"