There was nothing to 'get' about your point.
Do you work in the 'computer security' industry? Do any of your 'sources' work in the computer security industry?
Perhaps your facts are not facts, but speculation. For the most part, virus, trojans, hackers try to infect, control unprotected computers. The XP is a notorious bot machine. From your comments, I dont think you even know what that is.
The security measures went overboard on Vista because it was so lame on XP.
But this is all my opinion, since I 'have' to work closely with computer security. I work in the financial industry processing bank cards. We are attacked over 10,000 times a day. Yes, thats ten thousand. I know whats out there and its not a nice world. Your unprotected computer is a money maker for hackers who make big bucks by selling the use of 'your' computer to other parties for usually illegal activities which 'you' are responsible for. You take lightly a serious situation and propose that others do the same.
The point is, just install the game outside the protected folder. That is the easiest solution. Only install programs in the protected folders when you 'want' it protected. I had hoped that Bethesda would stop default installing the game to a protected folder, a lesson learned from Oblivion. It would have solved all these problems people are having.