I think naive people are people like you that think installing A/V software somehow makes you safe online. THAT shows ignorance and a lack of IT knowledge. Newsflash: i'm safe because I use Common Sense. That wouldn't change even if I had A/V installed. Now stop hurling personal attacks at me.
Aww why? Is it making you upset? Poor baby
Your entire argument is a joke, you're basically saying, because you could get hit by a car crossing the road, you might as well close your eyes while you're crossing
A decent AV will prevent getting infected in many ways, even browsing a hijacked / phishing site will infect your machine, many times NOD32 cuts the connection to a site because of that reason, without it, I would have ended up with an infection
Time to grow up little boy and learn some real facts instead of making things up to suit you, oh and if you do not like personal attacks, get off the net and stop being a n00b, or grown a pair and suck it up