@JohnFen Re: Look it's really quite simple.
Exactly.
I consider my unpatched XP netbook to be safe enough as it does very limited things from behind a NAT-ed router. If I had it connected directly to the Internet and was using it for general web browsing to all and sundry websites then that would be madness and I'd deserve everything I got.
However, the same thing could be said of the same use case using a totally patched version of the latest OS.