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Originally Posted by pem
Not everyone needs it - some people do actually know not to open dodgy e-mails and have adequate firewalls in place. 
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thats a very dangerous attitude to have.. becuase you'll get an infection.. either via one of the methods you descride or via removable media.. etc
and you'll never know, because nothing will flag it up.
checking emails for dodgy attachments, (even if you open all your mail with html and scripting disabled)..by using your own judgement and prior experience is not a full proof method of filtering out viruses is it?.. come on
and a well configured firewall is useless if a trojan can make out-going connections via a trusted open port..
no matter how
good you are with computers or IT in general I would always have anti-virus software installed..
I'm no beginner myself, yet I'm proud to say that I have anti-virus installed.. it isn't a signal to others that you lack in knowledge, rather it shows you understand what risks there are and want to minimise them
(pem, i'm not trying to prove you wrong for the sake of it, the important thing is that forum members who are not sure of themselves when it comes to this type of issue need to be fully aware of the threat viruses pose, so don't take this personally..
Just ask any IT professional the same question.. and you'll get the same answer.. any company or individual without a tried and tested anti-virus solution is asking for trouble)