When it comes to such problems, I really don't think you can be TOO safe. I mean, I have AVG, Spybot S&D and an Anti-Rootkit program. Add in that I use Firefox and Chrome for all my internet needs, and I feel that I have quite the safe computer here. Of course, I check everything I download that may seem untrustworthy with those programs and so that it makes it difficult for problems to happen.
Ever since LBTlover came here, I've improved quite a bit in the security measures of my computer.