Many of the threats that exist can only take advantage of software that is out of date.  Of course there are threats that can damage any system, but if you keep your software up to date, you're off to a good start.

This is not a dark art or something only geeks do!  You use encryption every time you go to a website that has 'https' that means the data is encrypted.  But you need to ensure that wherever you save your data is encrypted as well, in case of theft or just prying eyes. 

I didn't say this was going to be exciting, but lets face it, your data is important to you.  And if your PC, laptop or even mobile phone decides it doesn't work one day, what are you going to do?  If only you took that advice and made a backup (encrypted of course) of your data, al would be fine with the world.  Or at least your files.