Ladies and Gentlemen,
I implore you to read Scoble's post on security. It will give you a better idea on how you can keep your computer(s) safe from the bad guys. Scoble has mapped out fourteen points on how to be secure. Do I follow every one? No. But I have made a conscious decision on why I do and why I don't. If you are a home user or a novice user take the time to understand the issues and learn why security is important. Microsoft shouldn't be the only one to blame if something awful happens.