I don't agree.
I agree with:
> AVAST
> Firefox with Adblock Plus extension
Windows Firewall and a decent AV along with common sense is all you need
Doesn't vista have that setup by default, as the true admin account is hidden by default and to enable it you need to type 'net user administrator /active:yes' into the cmd prompt.
..snip..
a router is the most important one of all
Common Sense
Common Sense