all sites which send anything important over the net (such as bank details etc) are all https secured. As for everything else, do you really care if someone else sees what youve posted on UKB??
I can crack wep in 60 seconds (or so it says in the blurb of the thing I use). WPA is a bit trickier, as TKIP exchanges keys every few minutes or so. I can heartily recommend WPA2 encryption using 802.11x tagging and a RADIUS server. You will need three phase power, and a small datacenter in the cellar. Yours for approx 50k.
for the ammount of messing around with wireless my question is "is it really worth it" in my opinion no. cable is far superior, alot faster, alot more reliable and you wont have your neighbours steeling your internet access for free