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When is an antivirus program needed/useful?

Çağlar Arlı      -    13 Views

When is an antivirus program needed/useful?

Let's say I buy a computer and use the internet for services but rarely download anything and when I do it is from legitimate sources with a minimal to non-existent chance of malware.

What benefits can an antivirus program provide me other than detecting or preventing those few downloads from containing malware?

Or I guess more generally - Is antivirus needed if a computer doesn't download files but only uses web applications?