My security process is pretty advanced for most people but basically here's a list of things to consider
1. Never run as administrator, Windows installs to administrator by default and I'm sure most of you are running in administrator mode while reading this.
2. Linux is a very secure OS for browsing, Apple Mac OS X isn't as secure as it use to be since its popularity grew.
3. As mentioned, Windows installs to admin by default so every time I format and reinstall it, I don't connect or install internet drivers until I get rid of the admin status of my main account and downgrade it to a user account. All admin functions are performed on a separate admin account that has to be prompted for login (installing, changing OS settings, writing files to the C:\Windows and other system directories)
4. Dual booting is more of a hassle than it's worth, learn to use Virtual Machines. For those who don't know, Virtual Machines are essentially having a 2nd OS/Computer running within your current computer. Keep it in NAT mode when browsing the net or network viruses can get out into your system when browsing within the VM OS.
For a virtual machine I'd recommend
VirtualBox; along with a simple linux install for browsing; and a shared folder (one connected to your actual desktop from within the VM Desktop) for exporting files.
5. Run antivirus and always defrag and error check your hard drives. For antivirus I recommend
Kaspersky Internet Security or
eSet Smart Security which can be found for cheap on Amazon or eBay. (their websites are overpriced)
6. Only real solution to keeping your data safe is to back it up and keep it in a safe place, such as at a trusted friends house (if it's that vital, and your house burns down) or a safe that is bolted to the ground. (I won't go into safe education much, but I can hand you a long video on the subject so you can learn)
http://youtu.be/ltK-bDbADa8?t=1m23s Remember, when you use a safe you are condensing your life's wealth into one location that can be compromised or taken from you. SO GET A GOOD SAFE.
I could go on forever but that's just some basic tips. I've been virus free for a while now.