While you are waiting for the monthly Microsoft patches, there are other important patches that need to be installed. These programs are probably on 80% of all computers, and affect all users.
Updates for Sun Java, Adobe Reader, Apple Quicktime, and Skype are now available from their respective vendor sites. I’d suspect that many users are a bit behind on their upgrades of these programs.
There is a program available from Secunia called Personal Software Inspector. It’s free, and will scan all the programs on your computer and check for needed updates. I’ve used it for a couple of months. After the initial scan (which does take some time depending on your software ‘load’), it is not very intrusive. More info here: https://psi.secunia.com/
In any case, updating all your software is just as important as the OS and anti-virus patches.