Regardless of what the level of security on your router is, you also need a firewall on your PC itself. This way, even if an outsider gets onto your network, your PC will still be protected.
Use WPA encryption on your router, have a firewall and up-to-date antivirus and antispyware programs on your PC, and you should be safe from break-ins.
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All routers that I know of can have their setup screens accessed thru a browser-based interface.
The included programs are to make things easier for people who may not be technical.
Once you are on the setup screen, you will be able to change the routers IP address (for instance, if it conflicts with the modem, as mine did).
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