I've been using XP since it came out in 2001 (?) and I've had... no viruses. No spyware. No BSODs since I built my current box back in May 2002.
How so? Let's see...
1. My computer is permanently connected to the Internet, but sits behind a router (so other PCs can share the connection), making it invisible from the outside world.
2. I use the Opera browser for all my web surfing, apart from Firefox (for GMail) and Internet Exploder (for Windows Update).
3. I use WebWasher to filter out pop-ups, ads and other junk. This makes Web browsing much nicer. I strongly recommend WW - it works very well with both Opera and Firefox (
Download link).
4. Symantec Antivirus is running permanently. Fully up-to-date.
5. Running XP SP2, Automatic Updates are turned on, so any critical updates are downloaded and installed for me in the background. I check for non-critical updates and Office 2003 patches regularly and use Microsoft Baseline Security Adviser to check for anything else required (
MBSA download link).
6. I use AdAware to scan for spyware. It picks up cookies and that's about it.
7. I have a number of email addresses. My main one is used for people whom I trust (family, friends) and companies whom I feel have good reputations (Apple, Amazon, etc). I use free ones (GMail, Yahoo) for signing up for forums and for people whom I don't entirely trust not to send me silly pictures in an email.
8. When posting on Usenet, I spoof my email address and use a fake name.
9. I re-install Windows every couple of months, using a Symantec Ghost image I took of a clean post-SP2 installation. I can get all my apps up and running in a few hours.
None of these are particularly difficult to do, nor do they take any time. You just need to be careful. However, as someone mentioned up-thread, most people don't care or are just ignorant of the risks and how to fix their computer. Apple has a huge advantage in this regard: Mac users seem to be more tech-savvy, the computers are built better and so on. Perhaps it also gains through "security through obscurity".
Windows XP is by no means perfect, but to say it "sucks" is going a bit far (certainly after MS released SP2). It has its pros and its cons. Much like any other operating system.