I hate to be the bearer of bad news, but there is NO perfect combination of Anti-Virus and mal-ware tools. They ALL have their weak points, and if exposed to the right thing, you WILL be INFECTED!
The best way to fend off Mal-Ware, and viruses is to practice good internet surfing habits, and keep your Anti-Virus and Mal-Ware definitions up to date! But theirs no sure fire guarantee, as there is thousands of people right now, sitting in front of their computer, writing new viruses and mal-ware.
People think that just because they have never had a virus, they cannot get one. That is just simply FALSE, they are either LUCKY, or they have been infected and didnt know it!
If anyone has any questions, Ill be glad to point them in the right direction.