Thanks f0dder. But you do realize of course that most "firewall" do have dll injection monitoring, etc.
It's all good to be a security expert and not be "lazy" but not everyone can be like that (I can't, and I don't consider my self a complete novice among the non programmers) and give their computer that kind of complete attention and dedication (like you suggested).
IMO if "you end up getting infected in the first place" there are still chances that the evil is not going to be sophisticated enough "to breach whatever software firewall I'm running". e.g. : something might be able to bypass my antivirus protection (through email), but then not be able to send info out, or spread to other computers. Anyhow, I realize that this is all abstract and highly speculative, so I'll shut up.

Makes you wonder "who" is actually putting all those "annoyance" virii on the web? I'm not a "conspiracy theorist" by any means, but neither do I pretend that the Emperor's New Clothes are anything but his B-Day suit.
There is LOTS of money in this business too. Something to think about.
-CodeTRUCKER
Maybe, but even if that was the case, even if that was some kind of "conspiracy" etc. (I understand the nuances, don't worry...

), one still has to adapt to these rules and constraints, even if they were artificially created. There are different ways to do that, one being to play it their way, or at least partly -- Comodo is not that expensive BTW...