re: firewall
I don't agree with that part of your reply, Taz. The overwhelming majority of pc users are in the "novice" category and really aren't up to speed on being "set up properly" vs. any other way. A firewall is at least some protection for an "always-on" connection.
For instance, Verizon DSL (which uses the WinPoet software/driver) unnecessarily binds TCP/IP to your Network Card, when the driver itself, via DialUp Networking, has its own TCP/IP stack. Binding to the card unnecessarily adds an additional hack point to someone's pc. Who knows if they have File and Print sharing turned on?
My point is that I'd say a good 80 percent of casual pc users don't have a clue as to their inner workings, thus leaving them to the devices of some service that's to be "set up properly". We all know how dangerous that assumption can be.