It's a risk only if you visit a website which is infected with the exploit, and none of the major ones, run by competent admins, should be.
Pilot forum BBS software has a history of getting infected, but p r o o n seems to have been ok for quite a while. Both Flyer and PPL/IR have been infected fairly recently. The other (minor) forums I don't know about.
Or perhaps you can catch it via M$ Outl$$k? But then only if you open an infected email, which should be unlikely in the first place.
Kids' computers catch everything because they click on every link instantly. I have seen many that were trashed totally within weeks.