I wouldn't touch anything that comes via email. Not with a ten foot pole.

But I do pay bills online, and that means they get paid on time. It saves me money in both interest and gas. I am fairly paranoid about keyloggers, so I run about five different deep scans before the monthly logon, and I keep changing the password. I also use a different machine, an old clunker, when exploring the more colourful fringes of the Web where cooties abound.