Off-the-shelf anti-virus and a firewall is all I need.
The reality is that anti-virus and firewall programs alone are not enough to protect you against many types of hacker tools and other cyber-attacks. Even using both a firewall and anti-virus together, you are still vulnerable to spyware, Trojan horses, remote access tools (RATs), password crackers, keystroke loggers, and much more.
Just as important, anti-virus and firewall programs do not provide you with critical security patches for your computer software. Microsoft issued thousands of security patches to their operating systems and other software last year. How many of those patches did you apply to your own computer? How many software security holes do you still have in your Windows operating system, Word, Excel, Outlook, Internet Explorer, etc? Closing these well-known security holes is imperative to keep hackers and the new hybrid worms off your computer.
You need more than just your anti-virus program or a firewall; you need a comprehensive security solution for your PC if you don't want hackers, viruses and worms on your system invading your privacy.
And if you ever have a security problem with your PC, who would you call? You will pay a small fortune to get help from any of the cheap off-the-shelf security programs. Those products are not made to provide a total solution, rather just a piece of a good overall protection strategy.
Without professional grade, complete security like INVISUS - chances are good that you will become a victim of a cyber-attack. You may have already been hacked and you would never know it! Don't make the mistake of thinking popular retail security programs are enough.
How much is all the time and money you've put into your computer worth to you? How important or valuable is the information on your computer? Would you really trust your privacy and security to a $40 security product?
The free security programs I can find online are enough.
The simple answer to that myth is this. You get what you pay for. When businesses and government agencies are spending millions on securing their computers, why would you ever think that a free security program would do an adequate job of protecting your computer? "Free" feels good to the wallet, until your privacy and security have been breached and your identity has been stolen. And free security programs are only limited versions or evaluation copies of the software. If you want real protection, you are going to have to pay for it.
Free security programs downloaded from the Internet do not provide you any support at all. They can't afford to help you. Instead, they will sell you their professional version and then offer you support. Would you be comfortable with "free" medical care from a doctor you've never met? Or "free" work done on your car by an unknown mechanic? Or would you trust free tax preparation services by someone you just met on the street? Of course not. So don't get lured into thinking that the free security programs you can find online are the best and most effective security programs you can find.