@ Callendar :)
Thank you for your suggestions ... good advice.

It looks like the free version is very limited and as you suggest ... better well prepared with the PRO version.
I am going to give VS a try (clone backup in reserve) ... along with Free Bitdefender

At $20 /yr / PC is not unreasonable ... having paid more (per pc) for 5 pack AV 's.
VS has been around for a good number of years now and the Wilders Security VoodooShield thread indicates it has settled down in the last few years.

I am not allergic to paying a developer for a well designed project
One program I use all day everyday is worth every cent of the $20 outright purchase (1/10th cent per day for the past 4 years.) Just upgraded after 4 years, still $20.

I do understand that some members are very strapped for cash.