Beat you to it

I'd agree with everything you've been doing except McAfee. I have no good will towards that program. I've never seen anything good about it. Plus, if you have AVG I don't see why you need McAfee.

Similar to your methods: I've built computers for several people, and aside from Windows+updates and whatever software (Office, etc) that they want, I simply install Ad-Aware, AVG, and the Google Toolbar (with a hearty recomendation for Firefox). So far I have heard of zero problems from any of the people I've built systems for, and after as much as one to two years.