sorry CGM, I tried to respond to this post once with a long elaborate post, and hit a wrong button and lost it, so...got frustrated and never came back.

Short of it, no. Use to use 2000 and had a lot of vulnurability issues, so knew them then but not up to speed any more, and now use both XP and Vista, and still travel the same websites largely, with the same protection...and don't have any probs for the most part. You are likely safer then I am in where you go tho, so that could be a big diff.