I'm not saying it is acceptable or that it doesn't matter. Just that, when it comes to my own personal computer, it isn't worth worrying about.

I have a lot of friends who haven't figured out the whole security-as-a-spectrum thing, and they spend a lot of time giving themselves grey hairs over adversaries that 1) they can't beat, 2) aren't worth beating, and 3) don't care about them anyway.