You seem pretty rational and intelligent to me and computers aren't really that difficult to master once you get through the hype. Indeed, they are in one sense very simplistic in their logic, it's just that there's a lot layers upon layers that make undersanding them not a little like peeling an onion. You have to go down one layer at a time.
Back to practical rather than philosophical matters, the steps you need to take against protecting yourself and your data online are fairly straightforward on a Mac - assuming, that is, that you're not being targeted by the CIA (in which case your computer is probably the least of your worries...).
1. Don't run your Mac from your Admin account. Set up a Standard user account for general stuff, especially browsing the internet.
2. Make sure you've turned on Firewall here:
> System Preferences > Security > Firewall
3. Don't use simple passwords for any online accounts, gmail, hotmail etc. Best advice with passwords is use a password manager like 1Password to generate and save unmemorable 16 character (or more) passwords for you. Use an acronym of some phrase or book title that's meaningful to you combined with some symbols or numbers (not a year, as there's only 2012 of these for a brute force algorithm to run through) for your master password to 1Password.
4. Make sure that in Safari > View menu you have
Show Status Bar
turned on, and always inspect a link's address in the status bar before clicking on it (EDIT: YOU do this by letting the cursor arrow hover over the link without clicking. The link's real address will be shown in the Status bar at the bottom of Safari's window). This will give you some idea of whether the address shown on the link is really the address that it is going to.
5. Use something like SafariAdblocker to reduce your exposure to irritating (but sometimes persuasive) ads that link to dodgy websites.
6. Never ever download MacKeeper or other so-called 'performance' or 'utility' software for your mac. They are all scamming you in one way or another.
7. Whenever you're unsure of what you're doing, don't do it. Post in these forums for advice first.
8. Maybe a personal one this, but avoid all online banking services. Too much to risk for too little benefit of 'convenience'.
9. Never download anything without first doing a google search with 'review ' first. That includes App store stuff. Read and research what you let into your computer environment.
10. Don't let your nephews pwn your computer 😉
Hope some of this helps (and I was only half-joking with the last one 🙂 ), and don't worry so much. 🙂