You can salvage some of your files by popping in a bootable Ubuntu LiveCD. Linux should be able to recognize your HDD, and you'll be able to save your things to some portable storage device. I'm not sure whether or not a virus will actually follow that information -- but this is worth a try (linux's performance will be unaffected by the virus, but you should be wary if you wish to reinstall Windows). Furthermore, the LiveCD is a portable version of Ubuntu that allows you try out the general feel of the OS without actually installing it, so if you're considering linux, there you go.
http://www.ubuntu.com/If Ubuntu does not recognize your HDD, you can also use this software, which should allow you to do the same thing. It's not a LiveCD of an OS or anything, just the stuff that you need to access your drive and save your crap.
http://www.sysresccd.org/Main_PageOf course, you'll need to use a friend's computer to burn these to a blank CD. You'll also have to find some program that'll allow you to convert an .iso image to a bootable CD.
http://www.nero.com/enu/promo-buy-nero8-ultra.html?NeroSID=7205da4ebea9bc0edb11e7576dc8439bNow, with regard to linux itself, yes, it's a bitch to figure out. I still don't understand how programs/packages work, etc. And yes, the file structure is horribly disorganized. Which is why installing things without helper programs like Synaptic is impossible for the newer user. The only reason why I use Linux is because Windows sometimes ran so goddamn slowly that MS Word took 5 minutes to load (of course, I reinstalled windows etc don't have this problem anymore). Wholly, the operating system is very stable, and I can rely on it to perform these basic functions beautifully. But when it comes to music playback, etc, there's a sort of...learning curve, per se. Thankfully, most google searches can help you troubleshoot problems, and you can also ask us Ubuntu users questions, too. (although I'd be a horrible person to ask...)
At any rate, if you ever consider linux, try to dual-boot with Windows. This way, you have the stability of the linux OS (schoolwork, etc), and you can still play your good ol' windows games/programs. If you follow this route, you'll also need to know how to partition your drive, etc. This program will allow you to wipe out your old OS and partition it accordingly.
http://gparted.sourceforge.net/I hope all of this helps.