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I use my router and thats it. No antivirus, no popup stoppers, no spam killers, no trojan checkers, nothing...
How, common sense. Why, because I can.
I'll admit though, I did want to try AVG for antvirus, so I've been running it for a couple weeks. Nice little app actually. Low on resources, but a real pain to set up for email scanning. I'm junking that too...