Erm, OS X has sandboxing. So, no. Except if you use unsigned third party stuff.
As long as its your account files that matter, and you're running an app un-sandboxed, then it has access to them.
Nothing Windows or OS X particular about it.
As about "ruining your system", no, without root privileges it cannot, in either OS X or Windows. Of course it can if there's a privilege escalation bug, but there are tons of those for GNU/Gnome/KDE packages too.
...like Windows. A bad program running in userspace can essentially
ruin your system as much as a program running as root.
How so?Are you talking about pre-Vista - i.e. versions of Windows in which the user created during first run was an Administrator, and UAC didn't exist - though you could certainly create non-administrator accounts? Vista came out eight years ago...
Or do you mean pre-NT, when there was no separation of any kind? NT came out 22 years ago...
This is mostly true on personal Linux machines as well. I'm just expressing my opinion that you don't need root access to pwn someone's machine.
Although, OS X is a bit like Windows. A bad program running in userspace can essentially ruin your system as much as a program running as root. Privilege escalation is not a relatively big deal when you can `shred -u ~/` without root.