Start Page Guard is a start to protecting your system.
http://www.spywareinfo.com/downloads/spg/
Next, I would install a firewall such as Zone Alarm.
www.zonelabs.com
Yes, Netscape is a little more secure than IE since some of the mal-ware code does not execute properly.
Rather than Netscape, I suggest you try Mozilla.
www.mozilla.org
Mozilla is the "core" code used for Netscape. Without the AOL bloat.
Add on the Preference Toolbar:
http://prefbar.mozdev.org/
To make turning on and off the built in pop up blocker a single click operation.
Chas