An important factor many people seem to overlook is it's not just about the inherent risks of having all your coins stolen, it is about how secure your information is. The vast majority of people still do not use PGP and it would now seem evident that we are seeing the Sheep database sold on the open market and those who had accounts there and then created accounts on other markets using the same credentials (yes people really do this) are now having those accounts compromised and their coins stolen. So for those of you saying "what's the risk if we FE?" you haven't considered all the elements of the equation.