i wouldn't rule a virus out. It could be anything, but my bet is just standard windows instability. For me, I have to do a reload every 4 or 5 months, just to keep things happy. How much stuff do you need to back up? I would say backup your most important things, blow your partition, do a full format (not just the quick format) and reinstall XP. First thing to do is install your virus scanner, and make sure you have the on-access mode turned on. That's where any drive that is accessed is scanned. McAfee does a real good job on this. Make sure also that your virus definition files are current up to the day. new releases come out every day.
Scan everything you reload and you should be good. Be prepared to spend a full day getting your computer unloaded and reloaded, then maybe a week to get everything back the way you want it.
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