Disabling UAC is very bad idea. While convenient it allows a huge hole in your security.
Think of it this way. All browsers have unpatched security holes at any point in time. If you visit a site as an administrator and that site exploits that hole to "step out of the browser sandbox" it can do ANYTHING it wants to your computer. IF UAC is turned on, it will prompt when it tries to write to registry locations to make windows load a Trojan on startup for instance. Because of the prompt, you know something is up. With it off, you are now infected with a keylogger Trojan and your bank accounts will be cleaned out in about a weeks time... You won't know till it's too late.
Ask any security expert if they turn off UAC because it is safe. Why not they're experts right? I guarantee you they do not. It is inconvinet to lock up my house as well, but I don't leave it unlocked even though anybody could just kick in the door if they wanted. For the amount of "work" required to click on a button the odd time a prompt appears, it isn't worth the risk.
Now I'll come down off my soap box and go back to playing with my pocket protector...