short and simple
kaspersky internet security
http://www.kaspersky.com/
currently just about all the PC mags love it to bits and have it in their hotlist as top dog.
as keeps being said (by me at least ;-)
avg is worth every penny you pay....
it's a big bad worldout there ... and as protection gets better ... the scams get more elaborate.
you need a full time on line scanner ... not the "I'll do it when I have a minute or remember to scan"
if you bank online - it starts to matter
free is fine for silver surfers and wrinklies ....
once you start getting commercial - so should your protection. The odds are still in favour of it not happening .... but they are getting shorter
if you add kids with their ministry of sound .... and lime wire and all the dodgy music and torrent file swapping sites .... they need lots more protection (in every sense)