I strongly recommend MOST of System Works. I think NAV is among the best, but if you prefer another AV, use that. Ghost is only included in the System Works Pro. If you got that, enjoy. Ghost has saved my butt far too many times to count, the last time being yesterday. The defrag program is light years ahead of the one in Windows, and WinDoctor and the Optimization Wizard have both been very helpful for me.
I don't like some of the programs that stay active all the time, such Go Back, which requires a bit of disk space, and Clean Sweep. There is a function similar to Go Back in XP, and regardless, but if I have a problem with what's on my drive, I feel much more secure with a separate Ghosted drive than relying on info stored on a drive that may be corrupted.