I'm on Linux, and have become accustomed to having no write-access to system files and directories as a normal user. There are very few Linux applications that are not already built with this in mind, but I could understand there being some trouble in Windows during a transitional period between the "write-anywhere" system they've had in the past to the more secure method of allowing writes only to specific directories. There seem to be still many Windows software developers who attempt to write to system directories, but I think Blender has the right idea now. But even then, they've made what I think are unnecessary changes, such as changing from scripts and plugins directories to a single addons directory...not saying the change isn't more logical, but it wasn't needed especially at a time when so much else was changed.
It sounds like your problem with UAC might be a separate issue...having more to do with specific types of files than with directory structure and permissions. Microsoft might be attempting to push developers into some sort of authorization of file types used by their programs, thinking the majority of end users aren't going to even notice, much less care about, the potential problems it may cause.
Sorry to take this thread off-topic