EFF it, after a long absence, my take on malware is that most of it is actually less sophisticated than it used to be. I'd say there is a two tier system now. There are the large institutional hacks which as an individual you can only marginally protect yourself against, and the attacks against individual users, which are mostly not that dangerous. Hey, let's go for the goal line! Ransom Ware? Do you keep regular backups you can restore? Is your AV software up date. Generally recovering a ransomware attack at the individual level just needs restoring a backup.