I would wait for the bubble to burst before I buy. But over a period of time once the currency gains credibility this will be unstoppable .. and may become as equivalent as Gold.
Unless someone figures out a way to encourage larger adoption by the masses .. even by those people who cant digest the complexities of mining and securing the wallet etc
yup being paranoid is the way to protect ur BTC .. I already got a Trojan.gen in my system trying to smuggle my wallet I suppose but always getting stopped by my virus scanner ..