@pparks1:
I would bet that even after they are warned, they insist on clicking on dangerous links, ect. I know that sometimes IE will warn a person about a potentially dangerous site or link and ask ...do you want to proceed? Yes or no?
I'm sure that even the best malware protection isn't invincible to determined "geniuses" who insist on clicking that link to the latest porn or celeb stuff.
I use the term "genius" liberally since that other competing OS uhhh X has people working in their stores that are called "geniuses" too but also aren't really too bright unless it is charging a purchase of some iCrap.