i got windows xp sp3 on my hand, im wondering should i install it or not?

[Dan]

It is safe to download for all home users.

Read the response on the TechNet forums for detail - http://forums.microsoft.com/TechNet/ShowPost.aspx?PostID=3264534&SiteID=17

I have it installed on my machine and it works fine. You won't notice a drastic change from SP 2. This service pack is more for having all previous updates put together in one package.

[JasonD]

I have XP sp3 on this PC now, and to be honest i haven't noticed the change.
More security on wireless connections etc but i have no problems at all with it.
And please don't listen to people who assume its a virus just because it hasn't been released...

Good luck