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I haven't used a firewall ever nor do I plan to. As long as you disable the silly Windows features that open up specific entry points and have a virus scanner (Norton 2003 AV specifically) constantly running and checking emails and files you're about to open then you won't have any problems.
If you're on a home PC then there should be no need for a firewall unless someone is randomly opening attachments or "trying out" trojan software and viruses. If you're on a network, hosting games/services then maybe there is a need but most attempts to gain access to your PC will be by script kiddies looking for already-installed trojans and I doubt any real cracker would spend his time breaking into a home PC.
I run Adaware and Norton AV once or twice a week, I have a popup stopped and NAV running in the background and no problems and haven't had any, ever. Not suggesting I won't but it's highly unlikely.
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