Exactly. It does require knowledge. I'm not trying to be a forum cop or wise *** but, I for one don't like the idea that the neighbors kid using his mom's N800 stuck to the fridge and information he got casually on the net could "power hack" my PAN...

If you are looking to gain access to a net that you stumbled upon at work or something; the easiest hack is a social one... Find someone who has access and ask for the configuration and key.

The same goes for information needed that is not in the publics domain... Using a private message system or email would not give my neighbors kid any new ideas.