You think people would have better things to do than to spread junk on the internet

. I am running Norton that I update every day, Spybot, and Adaware (free version) and I am using the windows firewall.
I have ran everything is safe mode (recommended by IT'S at work) and have done everything I can.
What! can I do to keep this junk off of my computer.
I have thought about reformatting my HD since it has not been done since I have owned this computer (three year old Dell)
Any advice or help would be greatly appreciated.
Thanks in advance.
David Banaka