I should think that you should mine at a pool with hashrates proportional to your own hashrates for stable income and upside down for huge but unstable income. Correct me if I'm wrong
IMO, people should start treating bitcoins like cold hard cash - you'll lose it if you don't care for it like you would for cash. Like pickpockets you would encounter on rowdy streets, the internet has it equal share of virtual pickpockets waiting for you to let your guard down. But thefts and stealing do prove that bitcoins are coming of age like cash did decades ago, although I do agree that getting your wallets stolen sucks.