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If it's open to the public, you are vulnerable.
Not exactly. The code was changed years ago to fix house fighting. The change was meant to flag aggressors and automatically kick them out of the house.
A bug (to my knowledge has never been fixed) was created which allows aggressors to stay inside the house and keep attacking if they didn't move but would kick if they took a step or two.
So with that in mind, if you're alert where you can move, you'll be fine. If you plan on going afk at all then yes you'll have a grey screen.