> how savvy a user you are.
I strongly disagree with that caveat. As a savvy user, UAC behaves like a burglar alarm for me. I am not savvy enough to open a 7z, PDF, JPG or DOCX in a hex editor and determine whether it contains an exploit. Even if I were alone on the planet due to the ability to do so, I wouldn't have the time to do anything else. Because I have UAC enabled, if I open a zip file and get a UAC prompt I know that something is fishy.
There are known unknowns and your savvy is perfectly suitable for that; however, your savvy won't help at all for the unknown unknowns. Double-clicking an .exe isn't the only way to get pwnd.
> you have to just click "yes" to make it go away.
Exactly, UAC doesn't really work for non-savvy users. In which case, who is the target audience?