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Hi, i agree with you, i just wana add one component, which is important to prevent hackers from attacking your device, that is FIREWALL. its usually included in most of anti-virus application,
To protect your self from Spammers:
1- Never release your personal info like "Credit Card & Bank accounts" info to anybody or any websites emails in your inbox asking you to enter your details or to confirm or to update it! Because trusted people & websites won't ever ask you about any sensitive info like this even your Bank.
2- Never follow links inside emails unless you make sure that it's from a trusted sender and from the original source.
3- Purchase online only from trusted, verified and famous websites.
To protect your PC against hackers:
1- Make sure that you have a good anti-virus application installed and updated on your system.
2- Don't recieve .exe, .bat, and .js files from strangers. Trusted people only.
3- Don't open any recieved .exe, .bat, and .js files unless you scan it by your AV application.
4- Always use Google Chrome or Firefox for browsing.
5- Always scan games/applications cracks and patches before running it.
If you have any other solutions post it in order to gather useful info to help us all, and don't forget to vote this question as useful.
Regards.
always update your Antivirus and always turn on your firewall
Don't share or make accounts in websites unless you know its a legal and authorized company website.