It really depends!
When I'm taking out a credit card or making a big purchase I sure as hell read it! Also, when I'm using an online service that could affect my income I do too. As a keen photographer I have to be very careful what sites I upload my work to or I could end up giving away rights to my work and losing money!
But for small stuff, I really don't give a shit! Any contract that breaches my statutory rights is null and void anyway, so they can only screw you so badly
B.