Now here is a great idea. Should you do a search on Google and click on a returned link which leads to a site known to offer malware, Google will put up a warning. Should you wish to click through, you can. Google respects your judgement on the matter, but they figure you need information to be safe and this provides it.
The CNet News.com article linked to above is a short and informative read. And of course; as soon as I get the time I'm going to do some searches for things like "free screensavers" and see how the warnings look. I'll either use a Linux box or my virtual XP Home installation, just to be safe.