Does your web site need to be secure? Do you really need to spend the money and time purchasing and setting up SSL for your site?
This is actually a very simple question to answer if you don't want to think about it too hard. The best way to determine whether or not your web site should have SSL encryption is to ask yourself this simple question:
Does anyone, including me, log in to my web site with a username and password?
If the answer to this question is Yes, then you probably should purchase an SSL cert for your web site to protect against one of your users, or worse, your admin credentials being exposed to a third party.