Dallas,
Do I have some screensavers and programs for you! A recent test I performed with 500 odd pieces of malware found that only about 40% of them were detected by AV. Most of these _critters_ will install and run as a standard non-admin user. AV aint gonna help you like maybe you think.

No patching, no plugging the holes.

I found most of the problems I see are due to buggy drivers and/or poorly written programs...including MS own Office apps.