@moriador:  Of course they make it sound like you are in danger.  They want you to upgrade.  AV companies do this too - "ARE YOU PROTECTED? Ermagerd!".  Security companies all do this.  Yes, the threats are real and can happen but how often is the question.  Can you make life safer by taking precautions?  Yes.  Part of that is computing habits.

If you hit questionable websites and download questionable things, sure you increase the risk you will have something piggyback onto your system.

If you install software without paying attention and it puts some adware crap on your computer that you forgot to de-select, sure there is a problem.

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