I want to believe this is something that have been a subject of discussion lately and even before the service providers and exchange sites started coming with their own release about the impending and not likely hard fork, we have been warned on the forum to avoid transactions 12 hours before the fork and also to wait for confirmations after the fork before resuming transactions for this reasons I don't expect that anybody still don't know what is going on at this moment and how to go about it.
There's two separate issues here. The first is BIP91/BIP148 orphaning of non-Segwit-signalling blocks. In this case, you can have false confirmations if miners produce non-compliant blocks that are later orphaned by a majority of miners.
The second issue is the BCC hard fork. If you don't do any preparation, then after the fork, if you transact normally, you may lose your coins on the other chain (replay attack). For most bitcoin users, this doesn't matter, as BCC is invalid anyway. But some people may want to be careful to retain both coins.
And I think most bitcoin users aren't really aware of the details, which is why replay protection is/was so important. This fork was too rushed.
