And it happened, ironically, years after I stopped using peer-to-peer services and had almost stopped using torrents entirely.
Luckily, I know my way around a boot disc and I'd had my hard-to-find-again files already backed up on my external, so little of value was lost. I think all I lost were some Pathfinder PDFs, but I don't know why I had them in the first place.
So, that's that. If you own a computer, you owe it yourself to either get a Live CD of something easy like Ubuntu, or a boot recovery disk so that if you ever get a virus, you can save your files and reinstall your OS instead. Not that you should always reinstall your OS when you get a virus, but I digress.