Does the User Have to Have Admin Rights?

We’ve noticed that on our new XP workstations, if we don’t grant the typical user admin rights to their own workstation, then they are blocked from setting up printers, installing software, etc. If we make them admins, then we run the risk that they can accidentally delete important files. How can we best configure new user setup to strike a comfortable balance?

Thanks in advance for any help. 😉