With the viciousness of the malware coming out, you've got a couple options to avoid getting some nasty on YOUR PC someday:
- You MUST run a firewall. A hardware-based one on a router/switch is best.
- Switch to 64-bit Windows (not perfect, but it makes it HARDER for them)
- Switch to Linux or Mac OS. Neither of these will last forever, but it's better than the alternative. While I haven't switched yet, I'm avidly watching Linux as my desktop of choice for the future.
- Keep your anti-virus UP TO DATE.