... but not everyone have those programs containing spyware installed, (fewer and fewer progs because of the publicity around spyware), and as far as I know, there is a list of such progs to read/download somewhere at the web?
Popup windows is very easy to avoid, either set Windows too strenght in security to open most sites at the web, or use a popupstopper software such as Pop-Up Stopper.
But again, personally I don't worry too much, it's pretty much depending of the way we travel around the net, and what kind of progs we have to try out....
GJ