Hi Ace
Yes most of my day is spent on the security forums cleaning up the unfortunate, I come to AB for a break.
I infect myself purely to familiarise myself with the tools I would be asking people to use, and to get to know the malware we are up against.
Back to topic, I should say Im no expert on what is actually the best programs out there, I dont have the resources to check them all thoroughly.
I think you will find the free anti-virus's do have real-time monitoring, though I think you are talking about auto or scheduled scanning, so I may have crossed wires.
And Ive just noticed the question was addressed to you, so apologise for butting in. =)