Not a genuis, but have an opinion
Ok here's my take:
Xcleaner is crap. E-mail me from an account I can send files to for better solutions.
Your first concern should be physical security. Meaning who can and cannot access your machine directly.
www.activcard.com for a product that allows smartcard access to your machine.
Your second concern should be remote access. Now most people will immediately say, "Well, I only have one user account enabled on my machine!" I'm not really talking about somone logging into your machine. I'm talking about websites you browse being able to run applets and scripts on your machine and I'm also talking about cookies, wafers, tags etc.
Your third concern should be regarding the data traffic to/from your machine. TCP/IP is all clear text, so I can look at EVERYTHING you transmit with the following command from my sun box: snoop -V tcp <IP address> |more. ALl your IMs, PMs, the websites you hit and the stuff you send to and from websites can be seen.
Your fourth concern should be data integrity and disaster recovery. Meaning, how do I make sure the data on your machine is Supposed to be there and what do I do if I need to recover from a total (or partial) data loss.
Here are products I would never use a PC without, in no particular order:
PGP
Activcard Gold 1.3
Junkbuster proxy
Norton Anti-virus
Tripwire for Win32
SafeHouse
Private Idaho
PGP for voice-over-IP
eTrust (for Intrusion detection)
Checkpoint or gauntlet (none of that freeware crap)
Some hardware I'd never run without a PC:
16K cryptoflex smart card
Chrysalis encryption accelerator
Second nic card
Only use removable trays for Hard drives
Hope this helps!
And yes, I use all of this crap on my PC.