Yes wabashjake,
And whenever you decide to occasionally run java on your XP machine, run Sun Java, the latest version. It is safer. I like your set up, but I would also like to include SSM, System safety Monitor (free and very good). So my multilayer security would be:
Antivirus Solution Avast, Anti-Ad- &Spyware Solution, the trio Ad-Aware, Spybot S&D, SpywareBlaster and the very fast Bazooka (also for their background site), Kerio personal Firewall seems a good Software Firewall Solution, behind a router is the good Hardware Packet Filter Solution, Alternate browser like Mickey's proposal Flock, Opera or FF 1.5 or Seamonkey, in the browser Adblock and NoScript, Anti-Trojan Solution Ewido or A-squared, System Monitor Solution, I would choose the free System Safety Monitor. And that concludes Polonus's multilayer safety suggestion, with this you really will have some rest, update and patch everything well, and run the machines for normal duty only with User Rights. Safe surfing with such a system is almost guaranteed,
polonus