People don't hack into your computer just randomly, you must first have something they want and even then it is nearly impossible with a good virus scanner.
You are too paranoid indeed.
You know...honestly ... i don't agree at tall.
To my strong believe, it's never "to much security".
Even most of my valuables being "on paper", & those small bits online are well protected by at least ~60 character BIP38 or alike, the simple facts that I'm on bitcointalk since mid 2012 (and on numerous other forums too), running several crypto-coin minded web & facebook pages , etc - is more then enough incentives to think, that there are some "easy money" on my PC.
When, finally, nothing is gained, they (hackers) may just run some crypto-locker on my HDD. Or smth...
QNAP & Synology RAID diskstations are sure nice things for automatic backups, (got 4 of them), but....why on earth should I want that hassle of "restoring"?
So... XChat has built maybe ~80% of my current trust in XC bright future
(one day)
Every single human on earth use money (currency). And ...every one on them will realize they need (one day) a true privacy in communication
Is't great to get em both at the same time? At no extra cost.