Chummer, borers have been the bane of my apple growing experience for the past 20 years. I lost many a tree when I first began and only now have learned how to fight them decently. As some others said...I paint the lower 2' every other year with a diluted whitewash with some kind of insecticide in it. I have never used screens, but I do use fencing to keep the deer away. I keep weeds and tall growing grass well away from the trunk. I mulch with small stone. And all of this still doesn't help 100%. Borers will get through the paint and will do damage. The most effective thing I do is monitor my trees for evidence of borers by examining the lower trunks for frass on a daily basis...maybe every other day. It's labor intensive and demands a lot of time...but it works almost 100%. I live on my land and I have 2 young labs that have to be walked anyway. I take a small piece of wire and a Leatherman with me. If I find frass I chase the god damn maggot with the wire until I pull out its crushed body on the wire. As long as I keep up with it I never get any damage or holes like the one you showed. If I do have some extensive damage I kill the borer or borers and then clean up and scrape away the damaged tissue with my knife. I seems to me like borer season is only late spring to mid summer, and that's when I focus my efforts. The white paint, if nothing else, makes the frass easier to see on a casual walk.
Sorry for the long post. I feel your pain!