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It really depends on how careful you are where you go on-line. I've run without a software firewall for years, and I've yet to get an infection. I also very rarely just go "surfing" and click on links willy-nilly. I don't do P2P or IM either.
I do run an up to date AV scanner, Microsoft Anti-Spyware, and I regularly scan with AdAware.
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