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First of all, you probably haven't been. Those vulnerabilities are more relevant to cloud service providers and the likes, no one is going to invest the effort to use those vulnerabilities against normal individual users, unless perhaps you work for a juicy target, uranium processing for Iran, the NSA, CIA. Perhaps you are Donald Trump's brother. For normal users, like me and I assume you, where our most interesting assets are our credit cards and bank accounts, the way they hack us is different, getting us to click on a link that contains malware. Even when I was developing security applications for Intel, I wasn't a relevant enough target for a specialized hack. So don't surf for porn, don't try to download bootleg movies, don't click on offers that promise free stuff, etc. and you will substantially reduce your risk for computer viruses, And don't worry about spectre/meltdown, that is not something that someone will use against you.