Ironicially enough, I've never had an AV programmed installed on my main systems at home, and have had one virus, the michelangelo virus on a 5 1/4 disk without boot files, and that was many years ago. I think I was e-mailed a virus today, making that the 2ed I have ever received via e-mail at home.

Every once in a while I'll be suspicious of a virus, and use a scanner just to make sure.

To me though, the anti virus software needs to evolve soon and be able to stop new viruses before McAfee or Norton gets it, and sends out a new definition file. Honestly enough they scan for odd boot sector changes, why not odd activity on the outgoing SMTP ports and such? Otherwise, I think someone soon is going to release a nasty virus that takes advantage of more MS security holes and make Nimda look tame.