I never saw MSE as anything other than a basic protection method. But, since I only download from sites I trust, I don't need any more.

It is like safety gear in a car. The standard shoulder/lap belt and airbags combined with crumple zones do just fine at freeway speed and below... if you wish to race (i.e. visit warez sites) then a full racing harness and roll bar are in order. Frankly, I don't need the full racing package for my commute, and I don't need the additional overhead on my computer.

Would I be slightly more safe with the additional protections in either case? Sure... but if I am careful, the risk of not upgrading is minimal.

I hereby reserve the right to change my mind at any time.