I am beginning to think that the solution is to have an independant computer just for the internet. Keep a set of the operating system software and if something by passes all my protection, just reformat and reload, and start over.
Keep all my important stuff on a separate computer not connected in any way to the internet computer.
All you have to do is image your system partitions on a different partition with 40% compression AND image those same partitions on spanned CDs. I use Symantec Ghost 7.5, Corp. Ed.
In 5 minutes you are bright-eyed and bush-tailed again.
No kicking the cat, yelling at your old lady, or going on a drunken shooting rampage down the street!