I've left mine wide open for a couple years now with no issues. I've set the password on my router and that is it. I don't mind the occasional person using it, if they need to. It makes it easier for the guests, or my wife, or my wife's loaner computer, or whatever. I watch my logs, to see if anyone is logging in, and haven't seen much activity.
If you are worried about your traffic being unencrypted wirelessly, you sure as hell shouldn't be sending it to the internet uncencrypted. I don't see the point of encrypting data, unless you are transferring between local computers. Our computers are secure and most of them are usually vpn'd anyway.
I appreciate others who leave their's open, and I'll leave mine that way too until it causes problems.
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