Are there people who work with cryptographic tools and have access to a fair amount of computer horsepower who are also likely to be motivated to attack the web site of your homeowners association? To quote from the
link given by ikegami
As a user of cryptographic systems -- as I assume most readers are -- this news is important, but not particularly worrisome. MD5 and SHA aren't suddenly insecure. No one is going to be breaking digital signatures or reading encrypted messages anytime soon with these techniques. The electronic world is no less secure after these announcements than it was before.
This was written 2 years ago, but I don't believe MD5 has become subsantiall insecure for routine applications in the interim.
If switching to SHA256 interests you, or helps you be more knowledgeable and up-to-date, then that's a good reason to switch, but I don't think you should think of use of MD5 in debugged and running code as a significant security hole in this context.
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