To protect your account, use strong passwords and change them often.
If you use a strong password, you normally don't need to change it often. I don't like this mantra of false security by often changes. If your security is already that low that you have to fear malware and keyloggers, there are more urgent issues to fix first.
It also helps to retain access to the email address used for registration, because with access to that email account you can easily reset your password in case you forgot it. This email account of course needs to be equally well protected.
My general advise would be to use a decent password manager (long and random passwords are best) and avoid using an OS that is per se a large target due to its large market share. So: avoid using Windows.
Humans are bad at chosing and memorizing good and strong passwords, therefore a decent password manager helps a lot. Sure, it's then a single point of failure but the time invested to protect it is better than using and often also re-using weak and bad passwords.