Do you know I was like you...
Until I got the tenga virus about 2 weeks ago that totally screwed up my PC. It messed up and EXE Archived files, and just a million little problems making me have to reformat.
After losing YEARS of data (yes, I had a lot of backups in EXE archive format), I decided that not playing Dynaverse, and for a little slower PC (NOD32 actually has a hardly noticable ipact of performance and takes nil on the RAM), I leave AV going all the time.
It also almost spread to all my other PCs but Imamged to do damage control and save the others. It spread by infecting any EXE and spreading on shares. I feel like I got caught with my drawers down.
I also contamplate removable storage for backups now. I've never had a virus in all my years, but let me tell you, it only takes one to ruin years of data.
I know someone gonna say something like, "I opened a bad email or something so its my fault" or some similar, but I have an entire family that uses the computer. I simply can't take chances with thier IT skills. lol