I always read these threads, and every time I walk away shaking my head.
As the boxing adage goes, 'the best way to take punch is to not be there when it lands'. I have practiced this for almost 30 years of computing (hello bbs phone bill - i still hate you). I have ONCE had a breach bad enough that it required a restore, I think that was Win Millennium era.
IT is my career field, I work with advanced database administration and biz intelligence software. I work at all levels of the stack from database, to applications and hardware, as well as systems administration in Linux(RHEL, OEL, Solaris, hpUX, etc) and Windows (Desktop, Server, Exchange, Sharepoint, etc). I am far from a 'casual user'.
Essentially, don't frequent sites that participate in illegal things - that's kind of a no brainer and typically the first rule people violate - either with intent or out of curiosity. Those sites serve one purpose, to engage in illegal activity - esp. via your information.
Next, if you MUST engage in such things (you adult material crowd, not that I would ever engage in such behavior, of course) - learn how to create an environment that DOESN'T get infected. The old days used to require tightening browser settings; turning off Java/ActiveX, etc. These days, there is ZERO excuse to not use something like Chrome Incognito or similar tech.
Also, free stuff like Spybot Search n Destroy has kept me virus free for over a decade.
I may be in the minority, but I have never used anything like Kaspersky, AVP or whatever flavor of "security guard" crap they are pushing. Fixing almost anything usually requires turning it off anyways!
Doing things like turning off java just doesn't make a lot of sense for the average user - there is nothing inherently 'evil' about java, you can just as easily be infected with ASP content, PHP injections and 'Browser Addon stuff' like the stupid tool bar junk that everyone pushes (oddly, incl. java or Adobe, forget which).
Learn how to use the tools you have, knowledge is power. Sorry about wall of text, but have added to these mental notes for decades now..lol