I'm not really paranoid, but if I'm obliged to choose one from the list, then I would choose 'My computer usage and online activities are being surveilled". Why? because that's something you don't really choose yourself in some cases. Your ISP collects information about your surfing habits, the AV that is scanning your system and upload things to the cloud are services you need to trust, but that you are never sure about where your data goes to. Same with the ULRs that you are visiting, they scan them, but do they keep track of them in a database? Social media is collecting and even calculating and predicting lots of stuff about you, even without account, you would be shocked what facebook for example already knows about you. Coockies keep information and spread it out. Search engines keep track of what you searched, based on your IP and I guess everyone can easily add more things to that list. Of course you choose what you give away but in any way, connecting to the internet means giving data away about yourself.
The others are things that you can - partially or at least try to - avoid. When the MS Servers will be hacked (possible of course, but that would take some effort), your AV can protect you against it. Same with the malicious downloads from sites, the exploits and the behaviour of those programs after running them on your machine. A good first defense against malware should do it, but like some people don't exaggerate in this and don't install every single software that tends to protect you from this and that. You really don't need 10 different kinds of software running in realtime, they can only confilict and cause more damage than needed. And most of them sounds better than they really protect.
The option I really don't understand is "Every single network packet is a risk". If you are really that paranoid you can better pull your network cable out of the wall and throw your computer in the trash. You can compare that by staying in your house your whole life because you are afraid to have a traffic accident.
About the last two, the financial malware on your system is in the same category that I talked about earlier. And the stolen money, if you do safe banking on a safe system, you shouldn't need to worry every minute that your money is going to be stolen.
If you don't click on every single thing on the internet and don't surf to shady sites, that should cover you already a lot. A good security suite will help you with that. You can't be 100% sure all the time of course. But we also don't have a magic medicine that we only take once and that protect us our whole life against every single disease and does that mean that every minute we have to worry about becomming very ill?