Well, really the issue is differences in the location of the checkboxes. My brain is trained to check the bottom box of an installation because Yes is usually on top. If the bottom box is checked by default, the inclination is to just click Finish. However, when that bottom box is "Yes" then sometimes I don't unclick it in time especially if it's late at night and I'm groggy.
To those who say "slow down," I don't really think you understand the extent of the problem. It's not like I constantly end up restarting my computer when I don't want to. Given that it takes 15 seconds to restart the computer and this usually only happens once every month or two, I still save quite a bit of time by not reading the generic messages that I've seen half a million times over the past 10 years. However, when it does happen it's a nuisance if I have a program running that doesn't auto save progress.
So what i need windows to protect me from isn't so much "me" as "programmers who thought they should get creative and put the checkboxes in the wrong order." If the answer is "windows just has no way to do that," so be it. However, the solution really isn't to "slow down."