Best security barrier is inside people's brains. If somebody is lowering all kinds of standards just to see a thousand blinking lights and moving pictures on webpages, then he should not complain when occasionally picking up some kind of malware. I use IE with maximum settings and have deactivated some services manually. It is extremely rare that my scanners (AV, Spybot, AdAware, A2) find something. not more than once or twice a year.
Don't click on every button and don't allow all kind of crap taking place on your screen - and you can live quite comfortably and safe even with IE (whereas Firefox, when I tried it longer time ago just gave me up to one dozen findings when scanning the HD - every week).
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If you feel nuts, consult an expert.
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