Seriously, your setup is far from incredible and spyware terminator stinks. AS3 personal firewall also is not all that worth it compared to the features you can get with Comodo or Online armor firewalls. Panda Cloud AV is also one of the lamest ways to protect your computer. But I guess if you think its great and like to reformat, whatever.
I suggest you don't spend money on security software considering you can get better for free. If you want to be secure this is what I would suggest.
Antivirus: Avira, Avast or Microsoft Security Essentials.
Firewall/HIPS: Comodo or Online Armor free
Then use MBAM, SAS and A-squared scanner as on demand. Spywareblaster is a great addition.
~~~~I prevent the malware, the AVs and HIPS are just a backup~~~~