In the past it was really good, but I haven't used it in a couple of years so I don't know how well it's been maintained. it's interface was never anything to brag about, but is used to do a really good job finding stuff.
Since you don't do any banking on the system you might think that you don't need to worry about securing the system, but that's not true. It's not just about key loggers, the unwanted applications can also use any internet connection to continue to try and compromise other computers, send spam, track your computer usage, monitor your keystrokes to take over non-financial accounts, identify passwords so they can try and get into your financial accounts, get into any webcam to spy on you or your and take pictures, etc. etc. etc. People don't realize how often the webcam one happens, if anyone has a child with a computer w/web cam in their room (like a dorm room, or even their room at home), cover the camera with a post-it or something. There are people out there collecting images of people changing, or when they get out of showers, etc. Webcams get compromised all the time, and it's such a simple thing people don't think about when they think of securing their computers.
You might not care if someone gets some software on your system, but don't give internet scum a place to hide an do more of their work. Always keep your system patched/updated, always run an antivirus and firewall, and scan with a quality malware scanner.