Also keep in mind that when you use FTP it usually transmites usernames and passwords in plain text over the internet. Which means that any of the computers or routers on the networks your information travels thru can get your passwords and username.
So you probably want to set up a special user just for using ftp, and change the password regularly. Especially if you do any job stuff or finacial stuff on your computer. That will keep you pretty much safe, then restrict and log whenever that user account get used.
You might be able to find a free ftp server that uses kerobos or SSL or some other sort of encryption sceme, but I am not aware of any free one. If it was *nix I'd just tell you use to use sftp using a OpenSSH server, but that's a pain to set up under windows because you have to use a cygwin enviroment to simulate a linux OS. There are a couple SSH servers for windows that I know of but none of them are free, but putty.exe is a excelent ssh client for windows that's completely free.
Just something to keep in mind. I use ftp from my home every once and a while when it's not convenient to do anything else, and I still fine.