The trick is..
If you run as a limited user in any environment in Linux, OSX, or Windows NT6, you can defeat most malware as long as you have security settings that work in an infected environment. If you are going to use anti-malware at all, then be sure and pick them that run at the kernel level, so they have a chance of fighting manipulation by the criminals. Most of the time a good file cleaner can defeat any malware in a limited rights environment! I have no idea what Apple and Linux users have for that, but I'm sure it is possible. Just clean the files before doing something sensitive, and chances are good that you will not be keylogged or anything else that can run at user privileges and take advantage of anything at all!
There are a few things that can happen regardless, but a good HIPS will catch it every time. ( so far - tomorrow may change everything)