One thing the people who're getting hacked tend to forget is that it's not necessarily about what software they use on their computer or what web sites they go to. Say you go to a friend's house and use their computer to check the SOE forums. You log on with your own username and password, and tell the browser not to remember the password. But your friend's computer is infected with a keylogger. Guess what just happened to your password. And I'll bet a lot of the people who can't figure how they got hacked because they never visit dangerous sites have in fact visited a safe site from a computer that they don't control and don't know the condition of and got caught that way.
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