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Yes, Waldo, I do know the security problems with a single AV product…
However:
(1) F-Secure runs from a Windows service, so regular programs may NOT terminate it (error 604, permission denied). Programs may terminate the tray icons, but that doesn’t disable protection… you still get MessageBoxes from the service if a virus is present. The only perceivable way that one could terminate F-Secure is with the NET command or another service, in which case:
(2) I use regular user accounts (can’t modify the system registry, add services, use the NET command, etc), I don’t run random attachments, and I run all untrusted EXE’s in a VMWare virtual PC before running it on my primary PC.
So, as far as I’m concerned, I’m pretty safe. But, as we’ve established before, there’s no such thing as 100% security