Thanks all for the replies!!!
I think that incident with Panda bin file was accidental (I have avast for the past 1.5 year without any problems).
And I thank U all providing links to FAQ about Panda…

Regarding

Me thinks kisianik likes to live dangerously ... and / or ... kisianik is "pulling our leg!"

I don’t have an ability to purchase all the programs I want to have, so I have to look elsewhere…

My own profession has nothing to do with computers - therefore, I am looking for the most simple and painless solution to d/l viruses and other things.

All paranoia started this summer when my old PC got attacked by something and I lost embeded media player and some other things (eventually I will reinstall WinME on old machine). Couple months ago my AntiVir guard crashed badly - I could not boot my windows, and even getting troubles to operate in the safe mode. All this left behind and my old system is so-so clean (someting come through time to time, and gets nailed).

So when I got new system I decided to put as much protection as possible to avoid losing touch with my PC. As many of U noticed here, I plunged into the search of all possible solutions, on the way I get into the “thing” with Panda unaware of Panda “conflict” with other scanners.
Everything is sorted out by now, and I am cooling down…

The last Question, if it is not difficult to answer, can some of U say which one, except AVAST, are other AV progs that really effective as secondary AVs, and which one are not soo good, if same questions been answered before, would U give the links, I deeply appreciated.

The same question is about spyware, adware, dialers etc. removal progs.
Technical’s signature shown me many good ones, but in YOUR opinion which 2 or 3 or 4 of them will cover all the bases - it is not possible to get all of them.

Thanks again for all of your replies.
Patiently awaiting for ANY response.
I think that would finish that thread for good.