I am no IT expert, so here is my question...

I didn't think my neighbors and street onlookers can easily break in to my home-WiFi, because I have the MAC access restriction enabled, so that only my laptop and my wife's can physically access the network. Is it easy to break/override the MAC list without first break in to our house or stealing one of our laptops?

And yes, the 128-bit WEP seems to add a small but noticeable overhead. That's why I choose not to enable it at this time. But I am open to your expert suggestions.