To the extent anyone can, the answer to your first question will likely be 'No'. Personally, I'm working on installing the patch for pre-Lion systems, i.e., the ones for which Apple did not provide a solution.
As to your second question, AFAICT, there is no reason not to install the patch, based on reports of possible issues with it (so far there are none).
That said, right now the biggest risk for most users is associated with unpatched web servers they might visit, or that hold sensitive data.
Personally, I'm working on installing the patch for pre-Lion systems, i.e., the ones for which Apple did not provide a solution. 
