Its somewhat of a two way question. If one gets a virus, trojan, or worm designed to eat your OS, it can screw up your PC in almost no time flat. And as such, the answer would be 100%. But those are fairly rare vandalism motivated attacks, because such an attack yields the malware writer nothing, because it kills both the user's PC and the malware writers attack agent at the same time.
Smarter malware writers want the user's PC to survive and then go on to become a vector to either mine data from the users PC or to help infect other PC's. And as such, once installed, the successful malware writer wants their program to withstand efforts at removal.
I somewhat learned that lesson the hard way when I bought a Used PC on ebay at a very attractive price. I fully expected to find some malware, so I had some malware programs already burned to CDR. Instead I found, to my horror, that XP pro computer was positively infested with 4000+ pieces of malware of all kinds. Adaware with old definitions easily got 85% of them. Then I added avast with old definitions and got another 7%. I then logged on to the internet, and updated both programs and got few percent.
And stubborn me, I was bound and determined to get them all so I took every on line scan and rootkit checker on the planet which got me close. And long after every every virus and spyware checker I could find pronounced me now cleaned, I finally posted a hijack log on spyware warriors and they found at least 11 more.
The fact is, stubborn me had over a 100 hours of my time invested to clean that PC. And I would have been better nuking everything and starting fresh. But if you have precious data on your PC you can't afford to nuke, user cleaning is possible, but its time consuming. Or you can take it to a professional and then its just expensive.
I can't say I have learned all that much from some of the security experts on Anand tech, because I had already learned many of the lessons they preach from other forums before I joined Anand tech.
But I have to say two things.
1. Setting up a good multilayered computer defense is fairly easy. Prevention is much better than removal later. I run a two computer network for my wife and myself. And with a clean PC and a good security system, I have not had a single, knock on wood, security problem more serious than tracking cookies able to dent my network in six years.
2. The security people at anand tech are really very good. Schradenfroh, John, and Mech Bgon, and medea and others really know what they are doing, and they have it all in that sticky at the top of this forum page on how to set up a security system. And also in how to remove any malware you have.