Even Windows XP was not supposed to be used the way you seem to. My guess is you always log on as an admin user in an effort to simulate the Windows 95 experience.

To a great extent what you do is your own business. But once you connect to the Internet it becomes everone else's business. I hate to think how many people are blithely running spambots without knowing it.

Even so, the decision is yours of course. One thing to consider though is that XP drivers for new hardware are already becoming scarce and the trend will only continue.