Uh, just to throw this out there: The reason people may find issues with the programs files folder is its default NTFS permissions, nothing to do with UAC. The reason UAC is so useless is because yah most malware circumvents that any ways and the even bigger problem is most people just assume that they should always be using an administrator capable account, defeating the NTFS permissions and UAC methods entirely.
I am both guilty of running as an admin account and turning off UAC, but I've yet to experience any issues related to the programs files folder...except for older games trying to install through the insanely long file paths that programs files + steam create and they weren't built to handle more then a 255 character path string...tada!

(Btw Civ4 was incredibly guilty of that, for instance)