If you are not hosting any server on your machine, as others said before, you should allow
outgoing connections and block
incoming ones which are not a response to a session started by one of your applications (which
ufw does by default, unless the rules were altered).
See this thread because I've had the same questions, too:
http://ubuntuforums.org/showthread.php?t=2137243&
The last message explains how to reset
ufw and set it to default rules, though I would now add allow outgoing firstly, then deny incoming. You don't even need gufw, because the firewall once enabled is loaded at every startup.
I also assume that you're behind a router. My router has a firewall, does some filtering, so if it's properly configured, it should do a good job for basic networking (browsing & email). Everytime I check the logs of the router I see how great it does in blocking & filtering. It is very important how you configure your browser (what it can or cannot do, there are some great add-ons which IMHO are really necessary) and what you visit and click after you're alone out there.
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