it is a good idea to keep your virus program updated to check for new nasties...even better to stay away from any sites that look even remotely suspicious.....if you think you may be "infected" run your scans and then change your pw's
personally i would NEVER rely on any virus check/anti spy program to protect me from account theft....abstinence works best....stay away from the 3rd party hacks and downloads
keyloggers are the easiest to spot, actually, as it is always a program that is being run on your machine, and there are lots of ways to "see" it. unless, of course, the keylogger is part of a program you know you are running. then, it cannot be removed without corrupting the program you are already willingly running.
There was such a list, somewhere, I remember laughing when reading it years ago. One of the things was "you're running around the kitchen with a knife shouting 'rrrrakanishu!!'" if memory serves me correctly.
Dad bought a new car in Sweden (because cars in Norway cost both arms and a leg) and got plates that _almost_ said WTF D2X but it said WXF instead, so.. Well; had to change to norwegian plates anyway, and they are two letters and five digits, so no fun except the 31337 possibility.