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I have a "throw away" yahoo email address. If I leave the Yahoo home page open, or scroll through, there will be well over 100 blocked ads. I have had a virus come in through one of these ads before...

But it's not that easy. How about malicious code buried in advertisements shown on news sites? Even with Adblock Plus I still get some redirects squeak through.
What websites are you going on that...

I don't use virus softwares period. Windows comes with its own virus software that works just fine. Don't want malware or viruses? Don't go on sketchy websites, open stupid emails, or download things...

I have like the same 3 three passwords lol. When I need to make variations I make variations that i can remember. Never really had the issue of forgetting passwords / pins.