No offense to DAZ or CL or anyone else, but I never click links in e-mails anymore.

I do. I have my mail programs set to display the real URL, and I always check it before clicking. (And I use a font that makes spoofs like www.paypa1.com obvious.) I also have my mail set to plain text, so for me, it's usually more like "copy and paste URL into browser" rather than actual clicking.