About wallet. Windows 7 64 (w7, w8, w8.1, Vista etc)
First time run wallet with "Run as administrator", wallet needs admin rights to make databases.
Running without admin rights is not very well handled in code and gives strange "exception" etc error, however crashing process "database creation" is readable there.

Question "is wallet with or without trojans or viruses?" is solvable by giving every wallet their own virtual machine. Just one wallet per one virtual. And if you have virtuals... and you can't suppress your curiosity... you can see, capture and analyze virtual machine TCP traffic.

Jfk