Mixture - that was not aimed specifically at you, more MY opinion of the state of play of the modern hacker v those who think limited user is fireproof. Having seen the skills of these ***** in producing stuff that hides itself from most 'looks' and the rate of progress in trojan/virus writing I remain unconvinced and yes, re your last para, not just my 'weapon of choice'. but of many, and even Linux, mobiles and Mac are getting hit. I think all we can do is
limit access
protect as best we can
learn how to 'clean' when it happens
This is not specifically an anti-M$ swipe either, just that it is the logical target given the general dislike of its 'position' in the community, its wide spread and the way its code is written.