I've been saying for DONKEYS YEARS that 99% of current AV software is useless against the sort of attacks being perpetrated these days.
I see all sorts of techno gabble on the Security parts of the forum saying is product A better than product B and all sorts of statistics being disseminated about how product A has detected Virus B while product B has failed to detect it.
These sorts of comparisons in reality are only really valuable in the "Geeksphere" -- 99% of people who get hacked fall for these types of scams BBC News - Hackers outwit online banking identity security systems
Nothing really to do with protecting their machines but simply the way people use them.
I'm not againist installing basic AV software but the REAL enemy are USERS themselves -- for example loads of people fall victims to the most elementary of scams -- Email saying Your Purchase of XXXX has been completed -- click to verify --- if you haven't made the purchase DO NOT CLICK but 99% do -- and that's where problems start.
So by all means install Av software but this isn't the best protection -- YOU must adapt how you respond to emails etc - and don't be afraid to bin stuff that says YOUR ORDER HAS COMPLETED when you haven't ordered the stuff in the first place -- I know it goes against the craw as your first reaction is to say "What" or " haven't placed any"-- but DON'T ANSWER OR RESPOND TO THE EMAIL --JUST BIN IT.