I realize you're probably got all the info you want, and I skipped what everyone else posted (sorry)..
So, some of this info may be redundant...
Here's my set-up:
I use Antivir as my antivirus...It's free, it's made in Germany, has a great heuristic engine, updates several times a day, and I have never once gotten an infection with it... I've been using Antivir for about 5 years and never an issue, ever...
I also use Spybot (which I see you do as well)..
AVG Antispyware WAS pretty good, but now AVG has rolled everything into one and it's not nearly as good.. AVG antivirus was never that good in the first place, IMHO..
I think the main reason I have not EVER had an infection is due to using Spyware Blaster... Spyware Blaster is not something that runs in the background.. It makes changes to your registry which block spyware or malware from getting in in the first place, sort of like the immunize feature in Spybot, only better...
I also use to apps that clean out temp files and tidy up the registry... CCleaner and Cleanup!....
Give these a shot...
I actually had previously read this blog/URL link.....after Spatula recommended Comodo........ only reason I did not go with Comodo was trying to find an older version than their current one. The Reason it is free is kind of along the same principle that ZoneAlarm offered their Regular Free Zonealarm...... they get their revenue from larger companys/corportations/Enterprises providing security along the lines of what Llama/Vulcan and 2bighorn have been discussing.......
I have went ahead and purchased Outpost Pro and am using it with my NOD32 program........I did download Comodo and using a USB drive ( Virtual Machine ) to play around with different combinations........I have always used Spybot S & D but do not have it in the startup, only load it up when I do a either weekly or sometimes monthly scan/clean up o double check things....
I have picked up alot of great information from everyone who has contributed to this thread, is much appreciated.......