Scared of using the internet

[Mudbill]

Sounds like a robust solution, if you can afford it.

Another suggestion I thought of is to use Sandboxie. It lets you run programs in a sandbox, basically isolated from your system, which makes sure it won't access anything it shouldn't. Useful for things you may be suspicious about.

Also to add to my list of antivirus software: Sophos is an enterprise grade software and recommended by my senior IT leader. The enterprise version is extremely expensive, but the home version is free because they do not target that market.