#2 avast is a resident scanner and personally the resident on-access scans should be fine so I feel that daily on-demand scan as a little over the top. I do a weekly on-demand scan set to Standard sensitivity and without archives selected.
Archive (zip, rar, etc.) files are by their nature are inert, you need to extract the files and then you have to run them to be a threat. Long before that happens avast's Standard Shield should have scanned them and before an executable is run that is scanned. Thorough is also by its design very thorough and perhaps a little overkill for routine use, were a Standard scan without archives should be adequate.
I have only ever done a Through Scan with Archives once shortly after installation just to ensure a clean start state, but with XP for example avast will do a boot-time scan after installation if you select it, this I believe will be quicker and reasonably effective. Like everything in life things are a compromise.
I have left the Standard Shield set to Normal the default which provides a good balance between performance and protection. However, if your system is powerful and still responsive when set to High no problem.
#3 avast starts early in the boot process and files that load after that point should be scanned, so those loaded into memory should be scanned, this will obviously slow the boot slightly. Eight minutes after boot an ant-rootkit scan is done this only takes seconds and if anything is found it would alert. A rootkit scan is also don with on-demand scans with a sensitivity setting og Standard or Thorough.
I would also suggest a specialist anti-spyware to compliment avast, see my signature for the two other programs I use, the links are here.
If you haven't already got this software (freeware), download, install, update and run it periodically.
1.
SUPERantispyware On-Demand only in free version. I use the paid pro version of this as it has resident protection.
2. MalwareBytes Anti-Malware freeware version
http://download.bleepingcomputer.com/malwarebytes/mbam-setup.exe, right click on the link and select Save As or Save File (As depending on your browser), save it to a location where you can find it easily later.