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The important thing is to know the risks and accept the consequences of what you do. What I do works for me. Anything important gets backed up, and all my data is mirrored on multiple machines.
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I find the less protection I have, the more careful I am when I surf the web.

I won't use a resident checker that impairs my regular computer use. The objective is to avoid problems, not cause...

I used to use AVG-Free until my PC started having noticable delays in use, so I uninstalled it. All I use at the moment is Ad-Aware. My main worry is keyloggers and the like.

Viruses are passé, so...