Although I am sorry for not buying discs and not creating revenue for disc labels / artists, I wouldn't buy music even if I had no way of downloading it...
Edit: I have the Pro one (from a special site if you know what I mean), and you get virus if you download them... (zip files / exe files) you are safe as long as you only download files that have terminations for video/music types (mp3, avi, mp4, mov, etc).
You can get nasty stuff from any download, take precautions.
I don't worry about it too much, because I have a dedicated music server that I use to download music.
A virus can't do very much, because the server has no email, address book or browser.
About once a month I scan all the files on it, and delete as neccessary.