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5. UAC is annoying as hell. Don't really want to turn it off as that breaks things because installation paths/files change.

More details on this please. What install paths change when you turn off UAC?

Find the bit marked File System and Registry Virtualization. Basically if a program tries to modify anything in C:\Program Files\ then Vista if UAC is active will redirect it to another per user directory. It does this for certain registry keys as well like HKLM.