but an average user may not have his setting set so high
I am pretty sure the default is Quick scan and 50%. Most timid users leave settings at the defaults and in this case, I think that is fine. With the wealth of historical and technical data, and computing and gray-matter horsepower at Microsoft's disposal, I am not going to second-guess their algorithms. Microsoft is done being blamed by bashers and biased IT press for the security mess we are in. It was the
badguys who put us here - due to the
failure of the anti-malware industry to stop malware, as they (Norton/McAfee. et al) promised Congress and the EU way back before XP came out.
Certainly, Microsoft's strong-armed
marketing tactics earned much of the scrutiny they got - and I gave them my share too. But Gates and company wanted to put an AV in XP but were blocked by Congress and the EU because Norton and McAfee were crying and whining one word, "monopoly". And that's all it took.
Anyway, now that Microsoft has decided to put security and hardware future-proofing ahead of legacy support (giving the bashers something else to complain about), I am inclined to trust Microsoft to keep me safe if I trust their defaults.
I mean, if you are asking 100s of millions of users to trust you, this after a decade of bashing for poor security,
it would behoove you (nice military expression) to be trustworthy - if you want to survive, right? Now of course, blindly trusting anyone would be stupid. Who's the fool? The one who leads or the one who follows? So I have MBAM, SAS and a host of other security tools I use for supplemental scanning, just to make sure nothing slipped by MSE. That said, nothing has and since migrating to Window 7 in Oct - Nov 2009, no compromises here.
I guess I need to make one disclaimer. I use MailWasher Pro - by far, IMO, the best spam blocker out there. It's most significant but often overlooked advantage is that it processes all your mail (from multiple accounts - if you have many)
on the mail servers. It sits between the mail servers and your local email client (Outlook, Firebird, Windows Live/Hotmail) and/or webmail accounts. With one UI, you can view all your emails (in safe, plain text) from all your accounts and purge any spam (and thus potential malicious cargo) without downloading the email to your computer. I has a decent Bayesian filter, custom filters, friends/blacklists, and more. By process I mean delete, forward or reply. After you delete all you don't want, you can use Outlook (or other local client) to pull down your keepers. I get about 60 emails a day from about 8 different accounts. Most are forum notifications from the various sites I visit every day. By the time I am done going them, I usually only have 3 or 4 I need to keep. Really nice for keeping my local inbox clean and my important email organized.
Other spam blockers integrate into your local email client requiring you download on to your machine the entire email, including any HTML code or worse, infected attachments, and then analyze it for malware. To me, that's like inviting a stranger into your home and
then asking what he wants.