It is true, that Windhoek is safer than Cape Town & Johannesburg. But the moment you walk around town with your laptop, you do become a target. Not so much in the mainstreet and shopping centres, but on the way from the backpackers. Don't take too much cash, debit cards are widely accepted. Most backpackers do offer to keep your money & flight ticket in a safe for you. Don't carry those things around with you. If you decide to walk from the backpackers to town, it might be better not to take a backpack along. This marks you as a tourist and some friendly brothers might jump out of taxi stopping next to you and help you carry your backpack for you.