Lets see how you feel after your first serious issue where you have to start from scratch.

As I said I can’t understand why with the questions you asked before and your stating “But in general, I’m VERY concerned, cautious and careful to prevent viruses and malware,” why you wouldn’t convert this caution into action and have a robust Backup and Recovery strategy.

As Bob mentions System Restore won’t give you that as it isn’t a full backup, it doesn’t cover everything.