i dunno if you want to be really safe.. don't run as an administrator account or open attatchments from strangers. Stop using ie, stop using outlookk or outlook express , instead getting thunderbird and firefox, turn off ntlm, turn on efs,
run ewido (
http://www.ewido.net/en/) for free everyonce in a while, stop using kazaa and the like - don't port forward, disable remote registry, messenger, and a few other services you can find out about at theeldergeek.com
you can also disable the autostart of the avg control center and still have full funtionality with half the system overhead.
run adaware and microsoft(giant) antispyware occasionally - if you stop using i.e. and outlook/oe none of them need to run in real time really.
the most important thing
STOP RUNNING AS ADMINISTRATOR.
fwiw - don't run any antivirus and antispyware - it's been like this since i got my pc. - i ran both a fe days ago and found nothing.. just use the above steps and uhmm
STOP RUNNING AS ADMINISTRATOR.