I was using Opera with Adblock Plus, would that be enough or after the formar, would it be wise to use Chrome/Firefox instead?

So does that change anything, or should I still just format my pc?

As far as adventurous goes, this seemed like going into the shallow end of the pool with arm bands on.

I’ve bought things through Amazon and other sites and used Paypal but I don’t think I’ve ever actually logged in to my bank on my PC, but I’m guessing I should change my passwords regardless.

The first thing I did was delete Bitwarden.