No matter what anti-virus one uses, it certainly is just a matter of time before their machine becomes infected (item #3). Without a proper backup (item #5), your data is quite possibly lost for good. Seems that most folks (and businesses) feel that the right approach is to gamble with their data. The "so far, so good" approach. With the recent news of many companies having been hacked and their data compromised such as Linkedin, and that gaming company, Blizzard, for example, I'd think people would sit up and take notice. Maybe.