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And what is the experience level of the user? Would any of you seriously advise a newb to not worry about virus protection? For that matter, if you did give that advice, would you be willing to devote the amount of time needed to bring that user's skill level up to the point where he/she would be safe without an AV product?
The experience of the user doesn't matter, anti-virus protection is flawed in concept and consequently should not be relied upon. Where is the sense in teaching two types of security, the right way and the common/easy way? Unfortunately this is the way it currently is and most people know ****-all about security until they get into an InfoSec graduate program and personally I find that to be a silly situation.