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Assuming you are behind a decent home router with no ports forwarded, etc...
Us Linux/BSD users (and yes, that pretty much includes OS X as well) are fairly immune, if it weren't for the tea drinking Mac users we'd be 99.999% immune
If you are using a supported version of Windows, and you apply security updates, and you have a decent antivirus that has up-to-date definitions, you are 9% there. The next 90% is between your ears - don't click on dodgy links/ads/etc, don't open attachments from folks you don't know AND weren't expecting an attachment from, don't download and try various cracked software packages, etc.
As a Linux user who has made spoon buyin' money off fixing Windows issues, I have to say the most useful add on is ad blocking technology - while the content you may be after is legit and OK the ad servers they use may not be (rimfirecentral.com I'm point'n at you).
If you need/want to delve into "nastier" areas that are more prone to drive by downloads, etc (to satisfy your Mexican midget amputee donkey porn fetish, etc) then do so using as few Microsoft products as possible. Ideally, use VirtualBox or similar to run a Linux desktop in a virtual environment, and go wild.
For mobile devices (iOS/Android) you are back to installing apps that use unknown external resources (again, the ad servers, etc) and the associated issues. The bit about using your brain still applies.
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