Hi all, and thanks for the in depth answers, I appreciate them all

Rob, my eyes started to glaze

but I did read on !!! what would you call "good hardware firewall” I do have my Windows set to update my windows security on auto – in essence I try to do everything I know of – the prob is knowing about it in the first place

Downside, don’t worry I avoid phishing mail to the detriment of my friendships LOL…..I did Spybot, but actually found Microsoft AntiSpyware Solved my problem, so still run that.
I use Mozilla Firefox most of the time, does that mean Defender isn’t running

My intention was to pay and install Kaspersky, which I have used before, and worked so seamlessly I got concerned it was not there !!!
I do agree that there is no such thing as a free lunch, just looking to properly protect my hard earned piece of kit, which frightenly now has even harder earned info on it - however I did recently go out and buy a backup drive
and I use itWendi