AV, Firewall etc are pretty much 'must have' accessories in my opinion. You (probably wouldn't ride a motor cycle without a crash helmet, so why surf the internet without one.
That said, to continue the motor cycle / crash helmet analogy, you are probably MUCH more like to need the crash helmet than the AV software.
AV etc is a must have, but don't get too hung up about it, if you are sensible you chances of stmbling accross anything nasty are pretty remote - I've had a PC for 11 years now, with only one minor irus and the occasional spyware / adware / tracking cookie.
Of course, if you decide to troll a hackers forum, you perhaps should be a little more apprehensice!
Boltneck
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