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Originally Posted by mikec
to me that's like hearing, just live in a safe neighborhood and you won't have to lock your house. there are baddies everywhere hiding in all kinds of places - be as careful/discreet as you can be, but that doesn't mean you still shouldn't protect yourself!
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I'm guessing that you don't live in
Canada.
I don't think you've made a very good analogy but, now that you've made it, lets take your analogy and run with it. You can read about this in the
thievery thread, locks don't stop people from breaking into your house
at all. All locks do is prevent people from accidentally walking into your house by mistake. If you want to reduce break-ins, it's more effective to move into a better neighborhood than it is to get a better lock. AV software and locks, alike, are both placebos...
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or as the saying goes, it's better to have an AV and not need it, than to need an AV and not have it 
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Ah, but isn't it better to not need AV
and not have it! Seriously, AV systems are a waste of computer resources. How many people have been bothered by, or have felt their computers bogged down by, their AV software? Now, how effective are they? Can anyone here testify that they used to get infected by adware/spyware all the time and now that they've installed some AV software they appear to be completely immune and experience no problems anymore? Really? Anyone?
Instead of trusting a mindless piece of software to magically protect you, just don't run an executable you have no reason to trust and, maybe, stop surfing with
IE and you'll be fine...