Apparently, if a rootkit has been successfully installed the only way to remove it for sure is reformat & reinstall. If one needs to reformat and reinstall, what backups can be reinstalled? Are there user file types that need to be scanned before copying back to the clean system? Could my Word macros or PaperPort self extracting or jpg files be compromised? Do rootkits use ADSs? Can any user settings or customizations be safely backed up?
I'm assuming that the rootkits found on routine scanning w/ antivirus software have either not installed themselves, not installed themselves completely or were unsuccessful in removing all evidence of their existence.
So what should one do if a routine scan detects and "fixes" a rootkit?
How do rootkits get on a computer? It just amazes me that these programs can bypass all the "security" on WinXP Prof computers, escalate their privileges somehow and take over. I've read that they can be installed by someone [or a CD] w/ direct access to the computer. Apparently a rootkit can also be downloaded from the internet - does an illicit connection [like w/ netcat] have to be made? Can one be downloaded from a reliable website?
What is the real likelihood that a rootkit will be installed on a home computer and used to provide that person's personal data - bank account, credit card & social security numbers, address, passwords, etc.? Is this a "can happen" per security labs or is this happening to people with home computers?
Any information will be greatly appreciated. This stuff is too hard.

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