Even though I'm personally in the fortunate position not to have any reasonable exposure to these vulnerabilities, I wouldn't be particularly worried even if this wasn't the case. It's been well over a year since Meltdown and Spectre came out and there still hasn't been a single case of anyone successfully using these vulnerabilities to productive ends in the wild that I know of. Obviously, cloud computing vendors need to pay attention and there are legitimate business concerns that are affected by this, but insofar as personal computing goes? If people persist in the ridiculous notion that constantly running completely arbitrary code in naive sandboxes is a great idea, I imagine there will eventually be issues, but so far the issue seems to be vastly overblown in the popular media.