I'm pretty paranoid about some info on the net too , but I hate writing checks even more LOL.

I do have Zone Alarm Extreme internet suite as well as run a secondary stand alone scanner every week or so.

I also have WOT {Web of Trust} installed as an add on to my browser so it alerts me to suspicious web sites- so i can avoid them.
http://www.mywot.com/

I also run CCleaner and/or Glary utilities weekly or if the system seems slow.