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Well, I ran 'Secunia PSI' and it told me that I was 100% secure on both of my computers so that contradicts what you guys are saying a bit, but I didn't look into what the program considers "secure" yet.
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100% Secure? I don't think so. What PSI does is check your
existing programs to see if they are fully updated. It does not test to see if your system is secure, nor does it check to see what NEW programs you might need. And mine says, "Your Secunia System Score: 100%". It does not say 100% "Secure".
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Also, it's not really irony or an oxymoron that if a program fails to perform it is discarded, that's a lot more like causation. As far as the setbelt comparison...I may just be naive, but it seems strange to me that others have more malware or viruses because of me when I have and send none myself.
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And how often does the drunk driver walk away from a deadly crash - wondering what all the fuss is about?
I don't think you are seeing the big picture. What is scanning your active memory? Nothing?
How often do you scan your machine? With what? Are you behind a router? Do you use a firewall?
If your computer connects to a network with other computers, and that network has Internet access, without a "real-time" scanner, notwithstanding the fact that you and your computer are at risk, but you put the other computers and their users, and the rest of us at risk too.
Understand that not all malicious code seeks to wreck havoc on it's host. Rather it wants to hide and work covertly to wreck havoc on others - using your IP address.
So, if you don't care about your machine or your identity, that's your choice. But understand your system IS at risk at being used as tool by badguys to hurt others.
You said earlier:
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it actually seems more important to me to be aware of what one is doing to avoid viruses and the like.
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You are 100% correct! And I hope now you understand that a key system required to "avoid viruses" is a "real-time" anti-virus solution.