Well... I don't think I've ever been hacked. I don't visit chatrooms, except for very tight knit game communities or scheduled meetings. I mainly use message boards, surely message boards are highly secure for the end user?(if not, they are 10 times better then IRC)
Im also not an actual 1337 h4x0r, so I don't have people getting pissed off at me and counter-hacking. Finally, I don't really make it my mission to piss people off.
Due to all this, I've had an amazingly virus free and hack free net life.