random arbitrary things
From what I can see that's not the case at all. In fact for me it seems rather sudo-y. Want to change system files? Need sudo / UAC. Want to install software (which is basically like the first case)? Need sudo / UAC? Want to screw up your home directory? No need for sudo, no UAC.
Additionally, a lot of registry settings are things that should be user settings. Want to remap caps to escape? That would normally be a per-user window manager setting on Unix, but on Windows you have to use the Registry Editor.
Most of the other "normal" Setting/Control Panel changes that need UAC prompts for certain classes of users have similar explanations. What Windows considers a system-level or multi-user setting certainly differs than *nix, but it doesn't necessarily mean there isn't a good reason why it differs.
Some of that is that Windows (NT branch, XP+) is a multi-user operating system most widely deployed by people that assume it is a single-user operating system and exacerbated by confusion where Windows mostly pretends to be compatible with a single-user operating system legacy (3.x/95-ME) right up until it cannot anymore and sometimes the multi-user-ness comes out to bite.
registry settings are things that should be user settings
User settings are most of the time registry settings since that thing is used where other OS use plain files :) But I know what you mean, some of the choices which were once made are strange and because of the sometimes annoying "let's keep things backwards compatible forever" principle it's also not likely to change soon. Then again, pretty sure for remapping there are workarounds in the form of creating your own keyboard layout for which MS has tools. Now if changing a keyboard layout still requires a UAC prompt (I really hope it doesn't) you're still nowhere.
Also, the normal UAC setup for a consumer device does not require a password, just pressing a button.
As a novice Linux user, that was exactly my mindset and reasoning.
I wonder if it comes from having a windows mindset and the way windows screams at you about unauthorized software and forces you to use an administrator password for random arbitrary things while saying it's for your protection. With windows background as a single user operating system, heavily targetted by malware this makes sense.
Then they come onto linux, find out they need to use sudo to install things from package managers or access files in the root directory and immediately that protecting themselves mindset comes into play. However, taking into account Linux's background as a multi-user operating system, this mindset makes less sense as the tools while working similarly at a shallow level, were designed for totally.different purposes.