RE: Alice
Ahhhhh the old "common sense" debate
As i used to say common sense is based on knowledge...How common sense can be useful when you don't have any clue or knowledge of the threat (especially Drive-by attacks from your favorite sites, etc...).
Common Sense don't protect against any malware, it just help you to avoid the classic vectors, that is a huge difference.
Back to your config, Comodo Firewall scan nothing, so you should put it separately from the On-Demand scanner section, you may confuse the beginners that may watch your config. Btw, is your modem watch your outbound connections? if not you should let Comodo FW activated all time.
Except that for the rest you are ok.