What seems to be the most important security issue overall? (besides stupid users that is ) Bad settings. Terrible settings. I cant understand why default settings on almost EVERY program are insecure. Like IE / OE for instance.

Here is my receipe for securing them up for good... suggestions, comments? The point is that you secure your "Internet Zone" very tight and then just add sites your really trust to your "Trusted sites" and thats it...
http://www.geocities.com/jansson_markus/safeie.html