Honestly, I guess I'm niave because I never really thought about it. I don't share a lot of personal info about myself unless I feel comfortable on a board. It took about 2 years before I even let people know my first name here and if someone has my address, that is a mail box at the end of a dirt road 1/2 mile away so good luck finding my house.
My computer is basically set up "as is". I got it last year for Christmas and I honestly don't know what security features are on it (DH is the computer geek in this house). I do know I have Norton and update frequently and run scans weekly, but other than that I have no idea.
The only financial trasactions I do on my PC is through PayPal, and we have a separate account at our credit union for that so we can transfer money from the main account to there, then I spend it.
Now, DH's computer has all the bells and whistles...he pays most of the bills online and he has serious security on his. I just didn't think I needed it.
I've never really been cyber bullied, although I did have a few people that would leave me alone a few years ago in a chat room. They followed me from room to room. I just stopped using that chat program (yahoo). The people I liked had my IM name, and we still kept in touch. In my opinion, if someone is bullying you on the internet...turn it off.