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Hello Timo,
Your English is perfect, don’t worry about that… I’ll try to give you some answers (I’m just avast! additional skin designer) until someone from Alwil experts notice your post and try to give you more advanced answer… so, let’s go…
1.) a) No you don’t need to have Internet mail provider started unless you are going to use Outlook Express too. If you are using Microsoft Outlook you need Outlook/Exchange provider. For all other providers, it depends on you, do you want them to be started or not. Standard shield should be always active though…
b) If you selected to protect all your accounts, then all of your accounts are protected… don’t worry. It asks you for your preferred POP3 server. Read carefully again. Those 2 that you select will be your default ones…
2.) It’s not bug in avast! That’s the problem with one of Internet Explorer security updates, believe me. I found some answers for my friend 'cause he had same problems as you are having right now… Just go here: http://support.microsoft.com/?kbid=811630 and apply that patch to your Internet Explorer.
Hope this helps a bit…