I take my computer security fairly seriously as do a lot of people on this forum but I wonder at times whether I'm being over cautious or just making things more difficult for myself.

I have a relative and she uses Vista with no AV and she does everything online: banking, ebay, she even runs an online business. Despite not taking any precautions she's never been hacked or had any problems.

I also remember talking to someone at work and she was telling me how she downloads films and tv from illegal sites. I asked her if she was worried about trojans and she rather condescendingly explained how she has a Mac and how they don't get viruses.

While of course I appreciate the care I take with my computer ensures I'm less likely to get a virus, I can't help wondering based on these two examples and other people I know that I'd be ok without taking security measures.

So what does everyone else think? Does anyone else find that they know people with poor security habits that have no problems?