Welp, after spending well over 100 bucks a year for antivirus, antispyware and firewall protection and never even once detecting spyware or a virus, I said the heck with this! Today I armed myself with the Kerio firewall, Antivir (which is supposed to be about as good as it gets for anti virus, paid or free), and the new 4.0 version of Ewido which they changed the name from anti-malware to antispyware (has the same detection). I also still have Ad-aware and Windows defender and also got Avast for back up on demand antivirus scanning (real time turned off for compatability).
Probably MAJOR overkill but I do all my banking online and do some investing online so I am constantly typing passwords and such for financial stuff.
Antivir free actually has a bit better detection rates in most areas than the 35 buck a year Mcafee I was using. I highly recomend it after researching it, especially over AVG free.