You'll likely be fine with safe computing practices. I would recommend making a ghost image of your hard drive and saving it on an external drive. That way if you did get trashed by malware somehow, you can just do a system restore to wipe them out. Your computing practices sound good, so you probably won't get infected, but a ghost would be a fail safe just in case. I used to use Acronis True Image to make ghost images of my Windows XP machine. Today on Linux I use Redo Rescue. You could even use Redo Rescue (it's free) if you wanted to. Even though it's a Linux program, you put it on a thumb drive and make it bootable. So you boot to a Linux thumb drive that has the software. It will back up any hard drive regardless of operating system. If your computer ever gets viruses, you just boot to your RR thumb drive and restore it to how it was before.
I use Windows 2000 and Windows 10 in a virtual machine under Linux. I've set those two Windows OS to be locked out of accessing the Internet. If they can't access the Internet, they can't get infected.