> Yes, thanks a lot. From your answer I deduce that a single-user, 
> non-professional environment may not require use of a smart card, or 
> may not require it with the necessity it may have in high-security 
> environments.

Yep!  And just as importantly: it may require it.  It depends on your
threat model and what you need to defend against.  Ultimately, it's a
judgment call.

> But on an individual level, I guess it also depends on how much you 
> love (playing with) software and related devices and are already
> used to it.

This, too!  If you want to play around with them and have fun, don't let
me stop you.  :)

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