You would then keep all your important stuff on a separate user account that you never connect to the internet with.
Still a bit of a hassle but maybe it's come to that.
With the low cost of computers these days, maybe you should even set up a separate Internet browsing PC. Collected, sanitized information from the Internet could then be transferred over a secure home network to your actual work PC. If your Internet PC gets blown up by a virus, just rebuild it from a Ghost image on a removable hard drive and keep going. The work PC never gets affected.
I dont keep large amounts of data on my hard drive and never have but if I did I would get a large external hard drive and just unplug it when not in use.Or if you have an old computer laying around the house just use it for stuff you don't need internet access for.You could easily transfer data to it via CDR or other removable media and virus/spyware scan it at both ends.You could even hook both up to a switcher and run them side by side with one monitor,keyboard and mouse.
With all windows users running with administrator root priviledges, it likely will not help if the virus or trojan is smart enough.,......