Let me see if I can muddy up the waters.
Root has access to everything period. No exception, that I know of anyway. Regular user accounts is what you should login with. You can enter the root password when needed to access certain commands and programs, which is not very often I may add.
You must have a root account. You should have at least one, preferably two, user accounts.
You should only use root when you have to. You should not ever surf the web while logged in as root. This is especially true if you have broadband. Usually if you are doing something that requires root access, it will ask for the password.
The difference between windoze and Linux, user wise anyway, is that you only use root when you have to in Linux. You are always root on a single user windoze system. That is also why the viruses can have a hay day in windoze. If it is on, they can run till it crashes.
Since you are new to Linux, you may want to try KDE at first. After you learn your way around a bit you can switch around and try other desktops and such. There are many that you can download too. With Linux you can tweak and change to your hearts content. Try that in windoze.
I would suggest that you read the Documentation that should be on the system, I assume you installed it. If the GUI is working there should be a entry in there that will tell you a lot. Click the Start thingy and then Documentation then Help. There is also How to's in the same location.
For the time being be carefull what you do. Linux is not windoze. Things are setup different and work very differently. After a while you will see that you can do more with Linux than you would ever dream of in windoze. Linux is yours, you just rent windoze. It still belongs to Billy boy.
Don't run away though. Give it a chance. It may take a while but it will grow on you and you will fall in love.
Tried to keep it basic for now.
Anybody want to add a bit to this little ramble??