Hi theviper,
Welcome to the forum. Yes I agree with you that sensible surfing is one of the major things, the biggest hole is sitting in front of the main HID (human interface device = keyboard). Always use a layered defense, so 1 resident AV solution (various non-resident & online scanning ClamWin, Bitdefender), a good anti-spyware/ad/scumware solution: Ad-Aware, Spybot S&D, SpywareBlaster, A-squared, Ewido, a good software Firewall (one resident), if with one IP address (behind a good firewalling router), use updated software, use in-browser security (NoScript, Adblocking solution, hyperlink pre-scanning DrWeb so you can know the site or folders are clean before you click through), and if you are a power user and against code injection or one-offs a good System Monitor like System Safety Monitor, and a script blocking and a Reg cleaner. In that case you can feel a lot safer,
polonus