I guess what I am saying is that I feel my risk of getting a virus is very low given my personal behavior. To say that opening PDF and JPG files is risky is alarmist in my opinion. Also, I feel that anti-virus software can be viewed as a virus itself in that it hogs system resources and slows your machine down. I guess it will take me getting hacked to make me change my mind.
LOL so you agree with me that you don't need to read email to get infected. Why else would they put defense in the router? You are reading into something that is not there.
Those who wander out on the Internet thinking they are not likely to be hit by viruses or other things, Are the same people who will be back later, whining "My system is useless, I have a virus, what should I do?"