Even the most prudent person leaves crumbs of information here and there, it's unavoidable. I was watching a program about protecting your information a while back, can't remember who, what and where it's been so long, but a comment made in the program has always kind of stuck with me. We can do the things necessary to protect our information and we should, but someone who is hell bent on getting it will find a way, but the reality of these "hackers" is never to waste too much time getting one persons info, the long and short of it is that there are so many people who do nothing to protect themselves there are way easier targets to go after and not waste the extra time.
So if you're doing even the bare minimum, your probably not at risk, or at least the "fear" level risk most of these companies would have you believe. Common sense goes a long way, but a lot of Americans have seemed to have lost what little common sense they ever had and are now easily swayed by every conspiracy, rumor or half truth.