No offence old fruit, but you are paranoid. What other essential ( tongue in cheek ) must have security do you run.
I run AVG once a month, if I remember. Windows defender and spyware blaster. Every ? months. I have never had a nasty.
I bank on line with 4 separate accounts, I shop on-line. Never had a problem.
I think these programs pray on the vulnerable.
You could of course, go ad invanitume on security.