As already stated in this thread, the presence of a vulnerability (all systems are vulnerable) does not indicate the presence of an exploit in the wild. As is the case with all software, vulnerabilities exist and are being discovered and patched, most of the time before those vulnerabilities are ever exploited in the real world, as is the case with all the ones you linked.
The real-world fact is an average Mac user running an admin account is no more vulnerable to real (vs hypothetical) threats in the wild than those running a standard user account. You can point to vulnerabilities that could theoretically be exploited and to hypothetical possibilities, but those have no effect on users unless they're actually implemented. If you take your argument further, you can make a case for everyone never using a computer at all, because even with a standard user account, there are vulnerabilities that hypothetically could be exploited.
For responsible, non-paranoid, intelligent computing, using an admin account on OS X is perfectly fine. If someone is paranoid and susceptible to the FUD spread by some, they should certainly use a standard account and probably consider never using a computer at all.