I am not that trusting, I am just not that paranoid. Scare tactics that the tech world try putting on people don't work to well for me. Like I never once got a virus on a Windows machine, never used virus blockers, and never will.
You just have to be smart in most cases. I am more afraid of someone stealing my mail then any personal info from my computer, since paper mail is just sitting in my mailbox until I get home which happens everyday. I have only sent in my computer for service twice, and each time the tech never needed my password to log in. The one time was because the HDD crashed, so my info was gone anyway.