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Easy. Ditch windows and run Linux, or at the very least, switch to a Mac. Problem 100% solved :)
However if you INSIST on using windows...
But, Macs are the easiest to hack into.
I use Avira (the free version) and have not gotten a virus. I downloaded 200+ high risk items a day for a month straight just to see if a virus would slip through the cracks. So far nothing.