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you do realise that anything iobit is full of crapware and maleware so giving advice on something like that is like telling ppl to stab themselves with a knife
Finally someone who I can actually make an intelligent responce to.
As you mentioned, alot of people click on Ad's and Banners etc.. That is very true, people need to take a class on internet ediquete. Common sense is very commonly disregarded on the web, which is sad. But, it is what makes Advertising companies and Anti-Virus Companies money.
Honestly, As long as you use a Decent web browser (albeit Chrome/Chromium (Linux) FireFox, IceWeasle (Linux), Opera, hell, even the new Internet Explorer has alot of built in crap to prevent virus downloads. Not to mention, there are plenty of extensions for just about all of the forementioned browsers that block pop-ups, ad's, and even scan files automatically via VirusTotal.
Even if you get a virus, most of the time it's some crappy Hotbar or piece of crap that sits in the taskbar making ad's pop up. It's not like back in the 90's when a virus would erase your entire drive and steal all your information (Yes, they do still very well exist, but again, these are pretty common to spot). If you stick to downloading software from reliable companies, or directly from the manufacturers site, as long as you don't tick the "Install Bloatware" box, you should be pretty well as safe as with an AV software.
Most viruses can be easily removed by removing the startup entry, and deleting the registry key. Litterally takes 2 minutes to do that. Just monitor the Taskmanager once ever day or two for a few minutes, to see what's going on. I usually do it as a habit anyways, to keep my machine in tip-top performance.
Also keep in mind, I have 4 (Four) virtual machines running at all times, Via VMware Workstation 11, Ubuntu 15.04, CentOS 7, Windows 98se, XP, and sometimes even OpenBSD. I've never had to format any VM due to a virus, and I use ~4-500Gb of data a month via the web. (My ISP hates me).
but many av products dont allow me to exit their programs once i start computer
i hate how av makes my browsers open slower, online games laggy, and give me false alarms
i dont visit suspicious sites when i turn it off
Keyloggers - Sit there hidden from view. Dump from saved password lists, saved credentials, and what you type to a remote server if you don't have a quality firewall, easily bypasses Windows. I've personally come across and shutdown dumps containing millions of personal entries - porn site logins, premium accounts, web admins, emails, credit cards, etc. A lot of them also where silly enough to use the same passwords on different accounts so the hacker could access all.
RATs - Remote Access Trojans. Snoops the webcam, microphone, keyboard, allows full admin access to install/remove programs and view the desktop. Removed one of these from my lil cousins pc, who managed to get it infected via a rouge minecraft / mod server.
Trojan droppers. These are tiny and appear harmless to try stay hidden, but suck other most damaging viruses and trojans down over time, which overwhelms your system security, slowing it down, crashing, etc... untill one or more aren't detected, killing off your virus scanner, or the system is completely destroyed/over run.
You say your safe if you don't go to fishy websites, etc. This will only help you a bit. However, ads can easily be infected. Large trusted website have been injected, cross-scripted, etc.
The idea is to have a high quality firewall, virus scanner, and some type of application control. This way you can actually see activity, rather than just being blindsided to it.
There is no need to pay for good protection, cause they really don't offer more then what you can get for free.
It's a matter of you knowing what you are doing and avoiding bad sites, scammers, dodgy downloads, etc... No matter what you buy or install, you being protected can only occur when you are responsiable on the web, that is all.
- Use Multiple Drives in your system, be ready to wipe C drive at a moments notice.
- Properly setup your Windows OS; that means having a main Admin Account that is PW protected and is not used for every-day use of the system. For when using the system, do that via a secondary Limited User Account, as that can further help prevent malicious software getting through to your system due it won't have the needed Admin-rights to attach itself.
- Make good use of manual scanners, such as ESET, TrendMicro, Ad-Aware, Spybot S&D, Malwarebytes Anti-Malware and Anti-Exploit.