Enable Full HTML filter for Admin as default, remove full html access for unregistered users

This issue here is pretty baffling to me. I want the admin, editor and writer roles I have on my site to have full html control. I use FCKEditor and the only way to get it to post properly is to have Full HTML set as the input filter. The problem I'm running into is that if I want that set as the default option for content editing, then it's the default for everything, which of course creates problems when dealing with malicious html in comments. Sure I can change to filtered html, but then it inconvieniences my writers who now have to change the input format every time they create a new article. I want to make this whole process as idiot proof as possible, since my writers have already shown me they aren't capable of handling some of the minutia of using Drupal. Any help would be appreciated. Thanks.