The problem of exceptions
This is a difficult problem. It is twofold: First, if the programs you exempt are in fact infected with one of the viruses that can delete your drive, they will be able to deliver their virus payload. Second, if you don't exempt some of those programs, some of them may NOT have proper error checking when they try to delete temporary files or alter resources, so sometimes they can crash when DelProtect or Tracker blocks the corresponding action. There is no way to prevent a crash from such a badly programmed application. The safest strategy is to always check a program for viruses with the latest antivirus programs, before you put in in the corresponding exceptions file. However, understand that the two INITs operate independently, so we are dealing with two exception files: One for Tracker and one for DelProtect. Messages containing the keyword "hdelete('file',0)" come from DelProtect. Anything else comes from Tracker. You should NOT add programs to the exceptions files unless a program is dysfunctional under Tracker or DelProtect.
If you are using programs that delete the Desktop Database files (such as TechTool or TechTool Pro) disable both INITs by booting with exceptions off before you use those programs. Otherwise, problems and/or crashes may occur. If you are using disk utility software, such as Norton Disk Doctor, or Speed Disk, also disable the INITs. If you install any new software with custom installers that manipulate files, you also need to disable the INITs. Particularly if those installers create temporary files. If you experience problems with Conflict Catcher, set Conflict Catcher to load before Tracker and DelProtect.
If you see a message from DelProtect the first time you edit a document (such as a SimpleText file for example) this happens because DelProtect detects a delete action of a "Recent Documents" alias on the Apple Menu. You can either put the program in the "DelProtect Exceptions" or you can turn off the "Show Recent Items" option in the Apple Menu Options Control Panel to stop that from happening.
There is also another unlikely possibility, that some extension in your Extension Folder actually legally attempts resource changes to other files during boot time. ~ATM is an example. If you have ~ATM in your Extensions Folder, it may issue 'DRVR' changes to itself. Due to the fact that Tracker cannot identify the offender in this case because it happens at boot time, it reports that "Something in Memory" is attempting a change to some file. You could if you wanted exempt even this[1], but the author do not recommend it. There are some viruses out there that can transfer themselves from Extension to Extension at boot time, so it is safest to know if ANY Extension is making changes during boot. At most, the report from Tracker concerning ~ATM, for example, will be a minor annoyance. Should you see many more messages as the Finder loads that lots of changes were attempted during boot, that would be reason for concern.
If a virus attempts to delete your hard drive, the DelProtect INIT will most likely crash, but at least it will stop the virus from erasing your drive. If you see any application taking unusually long times upon launch, shut it down using CNTL-OPTN-SHIFT-ESC, and see what DelProtect tells you. If you see any messages from DelProtect, the application made an attempt to delete some of your files.
Finally, should you like to test the effectiveness of either INIT, you can perform the following little test: To test Tracker, either delete ResEdit for example from its exceptions file and reboot, or rename it to something else. Then open a sample resource file, and try to add, say, a 'CODE' resource. Tracker won't let you do that, and ResEdit will report an error. To test DelProtect, find an application that has a Delete file command in its menus (Virex and Norton antivirus for Macintosh have such a menu), and try to delete a file. If the application name is not in the exceptions file, DelProtect will not let you delete that file.
Tracker and DelProtect contain special invisible characters at the beginning of their name so that they load first. If you see any other extension loading before Tracker or DelProtect, Tracker or DelProtect may not be able to protect you fully. Unless the extension is a special extension that you know needs to load first like GateKeeper, SAM Intercept, Disinfectant INIT or such[2]. However the author doesn't recommend using combinations of virus Intercept programs. Just use one and ignore the others[3].