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You need at least a basic firewall, a good AV scanner, and some spyware protection. FWIW, I've been using only the hardware firewall of my router for years, and I've never allowed any infections to sneak through. Your use of the Internet will dictate how careful you need to be as far as the firewall is concerned.
The AV is important, especially for mail, since that's still a pretty common way to attempt to infect you.
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