Thanks for all of the great answers. I am glad to get the feedback. The "performance gain" I refer to is from the regular scrubbing of the machines I fix. When users roam the web to unknown sites and then put off the scans, the malware build-up seems to grow much faster. I have found that 1-3 pieces of malware will turn into 15-20 the next time the machine connects to the web. So, that is the performance gain I was talking about. I do agree with everyone on the fact that it depends on the surfing habits. Computers I fix seem to wander the web without care as to where they are visiting!
I install mult-layered protection on all the machines I work on. I also run the disk defragmenter every 5 days, at the very least. Please keep in mind that the computers I clean for infection are used by novice surfers who do not care about security and maintenance. They think of their computers more like a television instead of a powerful machine. They have a "use it when needed, and forget about it until next time" way of thinking. I give them the following routine to follow:
M.I.C.A. MAINTENANCE
1) ‘Scan’ for Adware, Spyware and all Malware DAILY.
2) Clean your ‘Temporary Internet files’ and ‘History list’ every 3 Days.
3) Clear your ‘SSL state’ every 3 Days.
4) Clear your ‘Java files’ in your Java console every 3 Days.
5) Empty the ‘Recycle bin’ every 3 Days.
6) ‘Defrag’ your hard Drive every 5 Days.
7) ‘Scan’ for Viruses and Trojans every 4 Days.
8) ‘Degauss’ your monitor by turning it off completely and back on, every 5 Days.
9) ‘Completely turn off’ your machine every 5 Days. This is different than re-starting. When you re-start, it does not shut down 100%
After I get them to follow this routine, I hardly have to do anything more with their machines. For the ones that refuse to do these scans, I install Webroot's Spy Sweeper, as it will catch most things on the way into the machine. Also, it will auto update and auto scan as well.