Setting up user accounts with XP

I am the only user on my pc, so I never set it up as administrator/user. I realize now that, for security reasons, I shouldn't be on-line as "administrator".

Yesterday, I assigned administrator with a password and tried to setup a user account. When I rebooted, I was surprised at what showed up on which account. What I did was create a lot of work for myself setting up all new accounts and documents. I couldn't even get on-line with the administrator account. Honestly, I was in no mood to go through all that, so I reset everything back to the way it was before. (Administrator only).

I sort of figured that all my Icons, ISP accounts, documents,etc (since they were already set up) would transfer to my new user account, but they didn't.  My new user account was like starting out with a blank slate.

Now my question:

Does anyone know of a link that could explain an easy way to do this. I still feel I should run from a user account? I think what I want to do is make everything in my administrator account show up on my user account. I remember reading somewhere I could rename my user as administrator and then rename the original administrator my new user account(?)

Is there any easy way to do this?

Dimension 8300
1024 MB (4X256) Dual DDR PC3200 400mhz CL3
P4 3.00GHz
XP Home SP1
BIOS A06
Canterwood i875P
Samsung DVD-ROM SD616T
Nec DVD+RW ND-1100A
2-Seagate SATA 120GB(non-RAID)
NVIDIA GeForce FX 5200 128Mb
Creative SoundBlaster Audigy 2 ZS
Dell Movie Studio Capture Card
Dell E171FPb
IE 6, Mozilla 1.7, Firefox 0.9
Conexant SmartHSFi V92 56K DF PCI Modem
USRobotic 5686E External Modem
Dell Inkjet Printer J740
EPSON Stylus C82 Series
EPSON Perfection 1660 Photo