What do you mean by "ramifications"?
Each user should have their own account so preferences can be set individually.
That gives each user privacy in email, internet history, etc,
Only one user (yourself or whoever owns the computer) should have an administrator account and that should be used only when necessary. A second account should be set up and used for browsing as any malware that gets through whatever security you set up will have the same power as the account it was brought in through. If it comes in under an administrator account it will have the same power to operate the computer as the administrator.
XP Home is not as good at security as XP Pro is, but you can still set up and use good security policy.
By the way, if you don't address and correct your virus and malware problems you will soon have a useless computer, and, the plural of virus is viruses.
vi·rus Audio pronunciation of "viruses" ( P ) Pronunciation Key (vrs)
n. pl. vi·rus·eshttp://dictionary.reference.com/search?q=viruses
Edited by Enthusiast, 23 August 2005 - 09:31 AM.