One of the things that annoys me about windows is the Default User profile. This is the profile that a new user who logs onto a machine (or server will get).
The way it works on NT, 2000, XP and 2003 is pretty much the same.
Under the documents and settings folder on 2000, XP and 2003 are a series of folders for each person that logs on to the machine.
Hidden in here is also a profile called 'Default User' and whatever is in here gets copied to the logon name of any NEW person that logs on.
by creating an additional local user which is fine unless you have already spent time customising the profile you have logged on as.