Welcome, I new too, since Friday April 9 2010.
It is the mean that we learn from together, if it don't, than is it not necassary that we come on a forum.
You told the next:
"know just enough to be dangerous on a computer"
With this, I am not agree.
When you don't weird things and when you cares that you have a good Firewall and Virusscan, than is the computer not dangerous, the most users have problems with their computer because they do nothing know about computers or they don't update the Virusscan or they don't update their o.s. via Microsoft.
When you want a little risk, than you must care that your computer is updated.