Thanks all for the suggestions, as for upgrading I will at the last minute when this machine gives up the ghost, as I cannot afford it at this time.
1. As for antivirus I tried avast at one time and i did not like it as it kept bugging me all the time!
2. 360TSE is in real time as far as I know, I have both the avira and bitdefender engines enabled. I do not know why belarc said it is turned off as it will notify me if I download something unknown or malicious.
3. For more scanners, will other scanners play nicely with malwarebytes and 360tse? I scan at least twice a week with mbam and daily with 360. I had spywareblaster installed but 360 kept wanting to quarantine it, so I uninstalled it. And I do occasionally run ESET online scanner just to check my system.
4. Backup: I tried aeomi and could not get it to work, then I tried driveimage xl and I could not get that to work as I tried to do the whole drive and there were discrepancies in the drive partition size, it was either too large are too small. Will attempt again here when I get some time. What I will probably do is just install my other drive and install xp on it and all the updates and then if something happens I can just slip the drive in.
5. I do not have 360 webshield installed, I had read that the antivirus's internet scanners were not really necessary. I have trafficlight installed since firefox does not recognize WOT anymore, I used wot for years.
6. I generally do a clean install once a year, as I sometimes get so involved deleting things that I screw up the system, this last time I screwed up my internet connection somehow and there was something blocking me from opening my firewall, so I ran tdss killer and it was ok, but my connection was still screwed up so I took several hours and just did a clean install.
I am pretty good generally at not getting into strange websites and also surf responsibly. I was using 360 sandbox for awhile but it really made the browser sluggish and as there are generally lots of things that need to be downloaded as my boyfriend uses this same pc and he downloads all his wiring diagrams and stuff so I just went back to being careful, I do not bank online.
7. So basicallly, I am stuck for the time being with xp and 360 as I know that they still support 32bit xp.
Again, thanks for the suggestions.