Dude, you can get a computer for FREE. Circut City was giving them away the other day - you had to get up early, stand in line, and fill out a bunch of rebate forms, but the net result was a free computer.
As for being afraid of catching a virus... that's just ridiculous. Exactly how would an infected computer be worse than none at all? That's like refusing to buy a car because you might get into an accident with it.
You're better off accepting the risk than trying to live without the technology.
PS: Sorry about the post with no pics... have to wait until I get home to surf for girlie pics to post, doing this from work might be a problem.