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Knowledge is your BEST protection. Yes have an antivirus if you must but what the hell its doesn't really matter, knowledge is the key here, safe browsing, no porn sites no social sites unless you know what your doing in social sites stay away from it! A hackers paradise is a social site lol.
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Here is my git, my wife and girls, although can operate the computer and surf the net sometimes end up clicking the wrong thing. As noted above with a link sent in Facebook that was subsequently hacked. My wife clicked on it fully trusting her friend's link to some nice site or something. Up popped Norton and said, 'No way!' It was a redirect virus to a porn site. Some get by on these sites that have kids games. My youngest clicked a link in a seemingly innocent site that had kids games. Virus got in. It was a redirect virus that always redirected my web browsing to a 'anti-virus' site. It was a total set up if I have ever seen one. It took a better part of 2 hours to rid the machine of the damn thing. Anti-virus do serve their purpose. To me the more hoops the virus has to jump through the better off your computer will be.
Condoms are 99% effective against conceiving a child and or contracting a STD. Sometimes the condom breaks and it is that 1% chance of conceiving and or contracting a STD. If you leave your computer without a anti-virus you got a 100% chance of getting a virus. Why give the virus the chance to come in all in the name of having a faster machine or "I surf smart."? I would much prefer the 99% coverage and take my chance on 1% failure. 100% failure is and should not be an option on anyone computer specifically when there are multiple anti-virus programs out there that work very well and do so with a minimal footprint.
As far as Trojans and stealing of password, change your passwords often. Do not send information over the net on a site that does not have https (s for secure). Have a bank that contacts you with strange activity is happening with your account. I use one credit vard on the net. If anything is charged over $150.00 I'm notified via email and phone. There are ways to protect yourself other then depending on an anti-virus although the anit-virus is part of the overall protection picture.