yeah, i'd say for the average user you're fine. the big buisness need to keep some of these process in mind. And they are going to have aditional network security to help cut down on hackers and other leaks.
Now if you started writing articles about how to secure your computer i have a funyn feeling you might single yourself out for an attack to test your theories ;)
Well, I am an A+ Net+ Certified Tech with 15 years experience....Microsoft is certainly more prone to viruses, but I do have a firewall, anti-virus, etc......
I take all the usual precautions.