What's the scariest kind of user is the one that exclusively uses Word for EVERYTHING. I've been sent screenshots in Word documents before, when trying to fix people's computer woes. What usually follows is instructions on how to use Paint.
And what's more scary about these users is that they don't usually know much about Word.
At school it used to be Publisher that was the worst - that app is horrendous IMHO and the Word users were the better lot.
That, and I spent most of some IT lessons on showing how to paste screenshots into Word for reports (we had to) and teaching people the values of ctrl+enter so they didn't have to spend ages fiddling about getting the right number of enters on a page.
And you forgot one class in the Normals - the person who always types in Comic Sans, no matter what the document is.