Thanks all. I'm either getting the tech-savvy neighbor to put the memory in, or paying the fee at Fry's to do it. My hardware skills are just below my cooking skills - and I have a recipe for boiling water magnet on my 'fridge.
I've got the free AVG anti-virus software & it updates/runs each morning, although I'm thinking of switching to the NORD (think that's what some FTers mentioned; I have to find that thread again.) I also have AdAware which I run frequently, and I usually clear out cookies, history of websites browsed, etc, via IE each day.
Cheers.