Looks good, only thing I would recommend is turning real time off in Zemana and using it as a on demand, CFW and WD is enough, especially with CS settings.
Things look great! You may turn off either WD or ZAM from real-time.
One well known bypass of CFW is when a malicious file is classified as "trusted"/clean by Cloud Lookup (very less chances though). Internet is needed for lookup and Zemana also needs an internet connection for real-time protection.
So if you prefer ZAM more than WD, you can disable WD and keep ZAM premium in real-time (eg.use case as stated above).
If you ever want to encrypt your cloud storage, you can try Boxcryptor basic.
Malware buster! Full system images are very important like @frogboy mentioned. Keep a fresh one around in case the drive goes or the OS gets corrupted with a settings conflict etc.