I've often thought I could make do without an anti-virus program but, on balance, think its best to keep one handy. I don't have it monitoring all file opening/viewing activity in the background though. This is mainly because I have a rather slow computer and it produces a noticeable delay while it does its job.
However, I do use it to scan downloaded programs and file attachments before opening them. Even if I know the person who sent an attachment I still scan it for viruses in case a virus is being passed on unwittingly. Also, I always feel a bit more secure if I scan a program downloaded from the Internet before installing it. I scan it when the download is un-zipped too, just in case I'm missing something. Over cautious perhaps but better safe than sorry.
I think the main danger from viruses comes within the first year or so of owning a computer. Computer novices aren't familiar with the tricks used to get viruses onto computers. After that period, people are a bit more 'wised up' on how not to get caught. Maybe the importance of an antivirus program does fade a bit after that. Personally though, even though I've been around computers for a while, I still prefer to keep an updated antivirus program for the purposes described. I occasionally even do a complete scan of the hard drives.
My computer has never had a virus but I wouldn't put it past the cleverness of virus writers to find a way of getting one there. I think with all the precautions I take they wouldn't find me the easiest of targets though.
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