linux is your friend
so much fun having virtual desktops and lots of xterms open fiddling around with your conf files 
as for XP pro, i operate minimal security and have never had problems with it... im not saying your dad did, Orph, but viruses and worms usually come when you start opening dodgy emails or somesuch :/
as long as you exercise common sense on the internet, youll be alright 99.9% of the time IMO.
edit: (ok, so I dont have a static IP or anything, but it still pays to exercise caution, the best security tool you can have IMO)
[addsig]