(4) If the hardfork occurs, your coins will be safe as long as you do not transact until it has
been shown to be safe. You will have the same amount of coins on both chains, both
associated with your single privatekey. It is best for noobs to wait and hold their coins until
the community and devs determine it is safe to move and how to move if there are any
special precautions.
There is one area that makes me wonder though in a hard-fork scenario what happens to the unconfirmed transactions.
Unless you delete the unconfirmed transactions and put the balance back into the forked wallets balance they would be stuck but that pretty seems complex if your not running your own client and using a service instead unless they keep rebroadcasting it.
https://bitcointalk.org/index.php?topic=35214.20