There are many variable which determine whether it's an issue. For most home users, 30% less performance than say a max of 22Mbps leaves me with
15Mbps which is *still* faster than my internet connection.If you think that stealing bandwidth is the only concern you should have then think again.
Well for starters, I'd like to collect my email from a client. I don't have the desire to use a web based email client doing SSL from home. I quite like being wireless at home and so I think that being able to collect email via say POP3 is ok for me. However, POP3 is clear text authentication as is the resultant traffic. What a great way to begin an identity theft experiment for someone sniffing.
With the wireless portion encrypted, the simple eavesdropping won't succeed and neither will the kiddie p*rn get downloaded over my connection nor will my connection end up being used by a spammer. I don't consider any of these likely knowing where I live but there's no reason why not.
Those are just examples.
David.