I side with juanvaldes on this one. Service Packs are basically giant roll-ups of all of the bugfixes, security patches, etc. for the previous serveral months or previous year. If you don't upgrade to the service pack, you'll have a system with a hell of a lot of holes.
Set up "Automatic Updates" to keep your system nice and secure. Buy AV Software and configure it to grab the weekly updates (I know McAfee releases the new DAT files every Wednesday morning).
Insecure systems lead to pissed off admins either at your workplace, your ISP, or your college campus. Do the internet a favor, grab the SP.
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