How long would it be before i would notice a virus?

I dont think i have ocd, but i obsess over my pc having a virus like CRAZY. Coil whine has recently been discovered to happen on my pc over heavy gaming, and i freaked out over that for a long time. (I know that's not cuz of a virus now lol) But my point is, I obsess over the fact my pc cld be infected LIKE CRAZY, i do scans and stuff, really have had no problems. Accidentally clicking on sketchy ads/sketchy websites has happened to me in the past, but its been MONTHS since the last time this happened, and i've been being extra careful since

My point is, if my pc was really infected, over months, would my accounts already be stolen, or would i notice? how long do they take to act,

im just scared my info is currently for sale and i have no idea that type of thing😭😭