The worst viruses are the ones that install in such a way as to go completely undetected
....and log all your details?
I've seen that statement many hundreds of times. Not once have I seen an explanation of how that is done from anyone that posts that statement. Always the scary bit and never the reality.
Keyloggers are never casually implemented. They are either clandestinely installed on physical media or they require the (tricked) cooperation of the recipient.
I once built a friend a computer, clean install of Windows with the only visits to the internet being to download the latest Windows updates. An "expert" friend of his came along and "found" hundreds of viruses. Go figure.
Windows security essentials plus the usual rule of never doing so much with your computer that you are likely to forget doing it. That plus the fact that companies and their employees are, incredibly, much more at risk than individuals form viruses and hackers just because they are stupidly lax with security because most of them can't remember anything more than the simplest security routines as a body. So to reassure everyone, you are, with the most basic of security, vastly safer than MI5.
In light of this, I maintain as I always have done, that using a computer online without appropriate antivirus and firewall protection, is totally irresponsible.
Yeth, and alwayth wear full body armour too. You've been told.
Success is round the corner. It's also round the bend.