I think that everybody must have AV running on his system along with firewall and update their program with every new sig.updates for AV or upgrade.
Are you gonna to risk by opening attachments into yoru email, by installing some unknown programs, by visiting some website to be infected and then even do not know that you are infected.
Tomorrow your PC can be used as Zombie because of trojan infection and you do not have any idea about it.
I think question should be not Are anti-virus programs a real necessity? but what is best anti-virus programs to protect my pc
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