That's my take on this, GreenGoose.
Spend a little time now to avoid a potential catastrophe later.
A non-admin account has lots of protection built into it, so that's a step ahead in itself. But these days, it's not enough protection.
Everybody has their favorite places to browse, so the more exotic the place, usually the more popular it is, and so the greater the risks.
So, even more precaution may be necessary for some than others, such as checking for modified or new created files before ever shutting the computer down.
Or checking for unidentified running processes.
The idea is to catch a worm or virus before it has the opportunity to spread.
Totally ignoring the need of a check on things may prove the following bootup to be disastrous.
Also, although I am protected against popups, some sites are still able to sneak them through, so I use an antivirus program that will accept additional popup ads to suppress. That's the end of these ads, but there will always be more, and some are spyware.
All these little precautions help, and the time associated with updating is not excessive when performed regularly as a part of browsing, and certainly before ever shutting down or rebooting the computer.