Re: Disabled? Yeah, right...
"Don't use local firewalls then."
So you propose configuring an external hardware firewall by destination IP and port for for every every PC you use in every location and say over wifi?! Good luck with that...
"Err... It's quite unlikely it'll be trying access your internet banking or PayPal"
On the contrary your Internet banking or PayPal would likely be of great interest to a hacker that has taken remote control of your PC.
"and it's really easy to check what goes where and when."
So you propose not only to hardware firewall every device everywhere, but also think you know exactly which of the millions of addresses on the Internet are "safe"?! And even if that were even possible then that won't help if they come via say TOR, a VPN, a proxy or another compromised device...