- Most users just click OK for installers, it is like the EULA
- I am yet to see a toolbar that does anything useful to anybody; other than make their system slower and buggy. I hold a very low opinion of people (like Ask.com) who bundle things with the clear knowledge that most people are unknowingly installing their app/toolbar. Much worse than spammers.
With your extensive experience with user behavior, it is interesting that you see this differently.