Let me add something here. You don't need to drive an Abrams's tank to be safe while driving. But what you MUST do is keep your plain ol' average car properly maintained - that is, current and fully updated, and MOST IMPORTANTLY you must drive defensively - regardless if driving a tank, or a motorscooter.
So if you keep Windows fully updated, use a firewall, use a current anti-malware solution, and MOST IMPORTANTLY you avoid risky behavior - that is, you don't partake in illegal activities like illegal filesharing via torrents or P2P sites, you don't visit illegal pornography or gambling sites, and you are not "click-happy" on unsolicited downloads, attachments and links, it does not matter which anti-malware solution you use. And for that reason, I see no reason to spend gobs of money every year or so on a product that will not keep you any safer.
IF MSE/WD were so unsafe as those comparison reviews, and Norton would like you to believe, where are the 10s, 100s of millions of infected MSE/WD users? MSE is reported to be the most popular AV program in North America and the 2nd most popular in the world. If MSE/WD was so unsafe, surely there would be millions and millions of unhappy users. Where are they?
They are not there! Why? Because MS is constantly - and I mean almost daily, pushing out via Windows Updates (something users have running anyway) updates to constantly address the current and ever changing security environment.
Bottom line, as someone who has been responsible for maintaining some of the most secure government, corporate and personal networks in this country (see the link in my sig for more info), I have no reservations whatsoever in recommending MSE/WD and Windows firewall to anyone - as long as they also keep Windows updated on a timely basis, and don't partake in illegal activities on line.