Sandbox your web facing applications like your browser, email client, PDF reader, anything that opens and deals with files you work with online. When you have actually sandboxed these applications you can download and surf as much crap as you like. Yes you can even open downloaded malicious files (from email or browser or P2P, it does not matter where you got them from) in a sandbox, play with it, check it out, the moment you close the application in the sandbox the entire place on your hard drive where these applications placed files will be securely deleted end of story. This of course is much more technical and complicated but to make things easy you can think of it like I described it. Have a look at the link below to understand this better.
Use a VPN 24/7/365. There are plenty offers out there, be careful with the small print. Try to find one that does not keep logs of your activity. One I can think of straight away is below but as I said there are plenty others as well.
Use a HOSTS file. Instead of only blocking spam/malware/addware/crapware client side once the request has been initiated with a browser add-on, block them at the system level before that. Any request to spam/malware/addware/crapware will be kept on your system and redirected to your own machine (localhost). This will also greatly improve website loading time and your perceived surfing speed.
Last not least, backup your data, either online (if you have the trust) or locally. Hard drives are cheap and even getting 2 for the same data won't cost you the time, money and most of all mental stress of having lost data or having had to deal with ransomware. Again and only as example here is a service I can suggest.
With this, the only time I have ever caught a virus that was able to damage my system was back in the 90ties. Once I started using the above simple measures spam/malware/addware/crapware for me at least are a thing of the past.
I am in no way affiliated with any of the services mentioned. I just use them and am a really happy camper doing so. So I am not advertising these here, but simply giving a solid suggestion. If this is against site rules please do remove the links accordingly.