@McoreD - Sorry to hear of your problems.
Face it we are all computer geeks here and we continue to move from one program to another for more protection. I notice myself spending more time reading about how to secure my system and trying different security programs than I spend time doing things I really own a computer for. Just think how the regular "Joe" feels out there. I've heard of people who buy a new PC every 6 months because it's so jacked up with viruses and spyware it wont boot up.
Here's an idea. Leave your system off the internet while using Windows and bootup with Knoppix Live to surf. Nothing to install on the HD and when you shutdown your system to restart everything is 100% clean again. If you fear someone getting to your HD while using Knoppix, conisder disconnecting your HD power with a switch our just use a different box for the internet.