...I don't mind if others users get on my computer.
No, no, no, no, no.
DO NOT let other people use YOUR ACCOUNT. This is *precisely* why Mac OS X is a multi-user account system. You don't have to log out, just turn on "fast user switching" and let them use the Guest account. Once they are done, all their crap is gone like it never happened, and all your stuff is untouched.