Imagine you want a contraceptive to prevent your partner to become pregnant. You get it, but you know you are not safe at all.
So you spend some more money to buy a better contraceptive. Still not safe.
Now you put much more money to buy the most-advanced-ever contraceptive.
Hurra!
You got a baby.
The perfect contraceptive was just to have an ugly partner and not having sex with her. 100% efficiency.
With OSs it's pretty much the same. You can install the best antivirus ever, you will waste your computer resources (and maybe money too) and someday you will get caught by a virus anyway. It's your destiny.
The perfect antivirus is an ugly operating system that nobody is interested to violate. Name? Linux.
Yep, Linux is pretty much hackable too, but who would care to spread a virus for the average John Doe's home-based Linux system?
The last time I formatted my computer was 8 years ago... the same exact time I have been running Linux.
Sorry for the creepy comparison... Just a morning reflection xD
You know why people think (including me in past, when i used to be a pirate) windows is prone to virus? Coz they don't use a genuine one, and thus don't update. Ofcourse Linux rocks, but not for all purposes. I have been an avid Linux user for a loooong time and then switched to genuine windows 10 pro. Windows has awesome support for many softwares including (but not limited to) Photoshop, vector graphics softwares (yes, I know about inkscape), video editing softwares (atleast, the user friendly ones like after-effects and premiere pro) , most of the SEO tools and so on. It has better support for most of the new hardware features too. Try configuring Ubuntu on a laptop with HiDPI display, you'll know what I mean.
Oh btw, try playing games in Linux.. you'll love it
Again, don't get me wrong. All of my servers are nix boxes, but I use windows 10 on my workstation simply for better productivity. If you regularly update your OS, you stay safe. With that, you get better customer support because you are paying for the os.
As for your example, pull out before you ejaculate. That will save you a lot of money. Also, don't fuck whores.. you might end up with AIDS
On topic.. I use nod32 (genuine, ofcourse lol.. u get what u pay for) and it is awesome.. it works exactly like an AntiVirus should.