Apple provided most mitigations with Safari. If you only use Safari, have good secure browsing habits and restrict which apps you install, you are reasonable safe even with SMT enabled.
Until a worm like Conficker is developed that can use the MDS vulnerabilities to exfiltrate data, probably via ad networks, common people (not targeted persons like Human rights activists around the globe, for example) should not worry to much. But if you are a targeted person, you shouldn't be using macOS anyway.
There are lot's of easier vectors than the MDS vulnerabilities. Remember that the most successful attacks are the social engineering ones. Don't click on everything, don't install everything. Use your best behaviour when on the internet, etc, etc.