Quote from masterm1ne:
The best antivirus to me is your own brain (I don't have software).
As a computer geek (builder/programmer) I'll tell u the thing about virus codes:
Malcious code can be built faster/before someone can write a code to stop it. By the time AV progs can defend against new threats, user(s) have already been infected.
Of course if you have an AV prog then you are protected against the things that have been out in the public web for a while. Other than that... you are screwed. Most of the times I've gotten infected, I had anti virus prog.
If you browse normal websites, ones you regularly visit, ones that are safe, then you shouldn't have a problem. Scan files before use with online scanners. I've been clean now for 6+ months no problem. Ocassionally I will reformat just for the tidy clean up.