You obviously have good practices that help keep your system clean. Same here. I don't fiddle with having anti-virus software running all the time because I don't need it.
But, I know people that just seem to be magnets for spyware. I can check out a friends computer and clean it up for them and then check it again in a week or less, and it'll look like I never touched it. I'm talking pages of spyware stuff.
Now I might expect as much from my pervert friends who I suspect are surfing porn sites. (Actually I know that because I can see where some of the cookies are from.

) But "moms" and "grandmas" and other less perverted-types seem to get hit just as bad, just from other types of sites and apps.
So in regards to your question, I'd have to say yes & no. Spyware isn't all that bad to most of us here at TIMO because for the most part we have some idea what we're doing. But for the general computer user out there, YES spyware is very bad and needs to be controlled.