I'm sure that this can happen to me, that in any particular moment, my memory can get corrupted by these rays, or something else, and then, the computer can misbehave or crash. And if I really wanted to be sure that it will not, I'd need to have some kind of protection against it. But compared to many other possible faults, is it really anything more than a very very rare and minor reason of a computer failure that I simply can just discard on my laptop, which is nowhere near a "critical and vital" system?
I used to run 6x2GB at 1333MHz with an i7 920. I swapped the CPU with one that could properly drive my ECC memory (W3520), and quickly found my choices were either an unusable system, 3x2GB at 1333, or 6*2GB at 800.