Exactly. What almost everyone outside the security industry doesn't understand is that none of these processor flaws are easy to exploit. I've given up searching for exploits for any of these flaws using anything other than the proof of concept code as I haven't found any. 8 months later.
To provide context, typically exploits are written and are in active usage less than 4 hours after an MS patch Tuesday release.
I'm more worried about a meteor hitting my house in a direct hit than any of these flaws being exploited on my machine.
However, certain businesses absolutely need to be aware of the risks and mitigations. Like those that might be targets of nation state hackers for example.
The context of my response was the OP worrying about keeping track of all of these flaws and their possible fixes. There is no need for a home user to do that. Just cross your fingers you're not an edge case like CAT and that a windows update doesn't slow your game down. These are extremely low risk vulnerabilities for home users.