???(On Access Scanner)Do I need to run Internet Mail,Outlook/Exchange,P2P,or Instant Messaging if I only use MSN hotmail which has McAfee already?
It’s not a stupid question… there isn’t any… 
If your email is just Hotmail you can disable Internet Mail (that does not work with Hotmail as this is not a pop3/smtp server email) and Outlook/Exchange plugin.
You can disable P2P and Instant Messaging too if you do not use communication programs.
To be protected by email virus, please, set Standard Shield protection to ‘High’…
Thank You!