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Now I've got some feeling back in my hands I can confirm it certainly isn't.

What Asus router have you got ? Considering going down this route as the Homehub 5 is somewhat short of configuration options. Preferably something that can be flashed with ddwrt if the stock rom isn't configrable enough.

The free Avast is fine.

Two strategies: Prevention and Recovery. Prevention is good AV software (AVG or Avast are fine), not clicking dodgy links or installing software with unknown provenance. Recovery is having a backup strategy; get a USB hard drive (preferably two, keeping one off site) and copy all your valued...