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@evelyn It's not an easy one to answer as there are a lot of considerations and factors involved.

The shortest answer, if you are using Windows, get a dedicated software for each purpose:
* anti-virus
* anti-malware
* anti-spyware

At least those three. Relying on a software that can do more than one, is not a good idea because the extra feature is not their focus nor strength.

An anti-virus software that can also detect malware and/or spyware can only detect so much in the malware and spyware categories; their main focus is being an anti-virus. Thus, getting a dedicated anti-malware and anti-spyware is highly advisable.

You should also not rely on one software per purpose/category. Get at least two anti-virus software as they can detect what the other cannot.

That is, if you are using Windows. If you are using Mac, let's say that less 50% worry. If you are using Linux, your worry level is close to 0%.