I disagree with you Jayd, I am happy with real time protection from AVG and a scan of my PC using Ewido's online feature every couple of weeks. You can't get Virus' from media files so if you only download music etc then you have nothing to worrie about. The bulk of Trojans are files posing as keygen's and cracks etc for illegal software found on P2P an torrent sites. As for someone directly hacking your PC then.....well
it's not going to happen, maybe at worst you will take part in a DOS attack as a zombie computer but with AVG kept upto date and running from boot why be so paranoid?
BTW jayd, you asked for people to play critic and then argue and tell them they are wrong or call them kiddo, dosent that sound stupid?