What I find funny is watching many users, that obviously are above normal novice users, as they are here and learning, where as average users do not even realize sites like this even exist, are still sitting here debating which product is best, and will protect them from their poor choices... Let that last tid bit sink in for a minute...
Users need to form better surfing habits, learn to be aware, and use safe practices, and rely on their "product of choice" to be their back up, as that is what security is intended for. Spend more time learning how to safely navigate the internet, do not click on unfamiliar links, do not download unfamiliar applications until you learn about them and vet them, back up your important personal files so that if something does happen you have lost nothing, and let your security do its job.
If you are still paranoid after this point, then learn the application you are using better, as almost all of them have features and advanced options not on by default. Do understand, that without learning what I have suggested above, that almost any product can fail you, as they just can not protect a user from themselves.