I work in IT for a living and honestly I've never used anything other than Microsoft Security Essentials. It covers the basics and so long as you're not clinically retarded most people should be fine without another virus scanner.
ESET has been the first program installed on my personal PCs, for at least the last decade. It just works.
Yep, works great.
https://www.google.com/search?q=mse+fails+av+test&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:unofficial&client=firefox-aI install Avast on the hundreds of systems I maintain.
I tried MSE for 2 weeks and promptly ditched it.
I've upgraded to Windows 98 now. Nice thing about 98 is it's 32-bit and allows the use of long file names! IE6 also runs in Windows 98, which is another big plus.
Looks like you finally learned how to turn off caps lock too.
By the way,
During the span of one week, Google, Myspace, Facebook and Yahoo were all giving out a trojan. 80% of the world uses Facebook, and Google runs about that much of the ad market. You can run, but you can't hide.
Truth is, you are 3 times as likely to be infected from a religious website, than you are from porn sites. This is 180 degrees opposite of what it was 10 years ago. The reason is that porn sites got organized to fight these people and have built their own secure ad networks. Religious sites are typically run by volunteers, not professionals, and as such, are easy prey.
Also, online banking, sorry, but Microsoft Windows is using outdated thinking.
Your card is just as likely to be cloned at a bar. I've been online banking for about 10 years, the one time my card was stolen, was by a guy manually entering it. He got the info off the server at his work where I ordered a part then went home and used the numbers. Basically, if you use a card, at all, it's vulnerable. He could have gotten those numbers at a bar, from a phone order, anywhere. Here's the thing... I caught it within 24 hours, why? because I was using online banking and could see something was wrong before they drained the account.
Remember, your card is a convenience, which also makes it convenient for you as well as crooks. Your computer is only only one of many ways it can be taken. You are better off being proactive and catching something as it happens, than to bury your head in the sand thinking it can't happen.