Spyware, viruses, & security : To bundle or not? How to choose new products.

Sorry this so late.

OK I missed replying to this and so many people seem to need more info. I tend to think everyone knows what i do and so I use jargon way to much in places where I shouldn't. Hazard of the business I guess.
I also agree that people don't want to know all of this stuff and would rather just use their computers. We in the industry tend to forget this.
Honey pot is just what it sounds like but a computer version. If you put out a pot of honey things get stuck in it. Wel lit's a computer setup to catch viruses and worms and malware spo that they can be studied. Most people don't need one.
IDS, intrusion detection system. A way to detect if you have an intruder (Not a virus checker, for cracks and stuff. Again for people who have a bunch of computers to keep secure not for most people.
DMZ Demilkiterized zone. A [place to put your servers so they can be seen from the internet bit still has a firewall around it but is not inside your cororate lan. If you have have your own web server you should have a DMZ. My wireless lan at home allows for this in a router that a lot of people own for home use.
wifi g ((and now n) is fast wireless networking.

By the way these are all in wikipedia, you can look them up.
Now for the use of more then 1 AV product. I always use 2 but only one for on-access scanning. I thoiught that was a given, sorry I didn't say it directly. Why two because I don't trust any of them to catch everything. Use your favorite for on acccess scanning and for scheduled scanning but run the other once a week or so to cover just in case. If you don't want to install two use one installed and then usae say Housecall from the web. (Housecall is an AV that is run from a web page at TrendMicro I believe.)
Yes security is complicated and with developments in virus tools (as opposed to anivirus tool) to the point where viruses are likely to start having the ability to not be caught by AVs that use signatures you really have to keep up with things.
Most people want to just use their computers. They don't want to worry about security.
I think we have proven that OS developers also don't want to worry about securty.
People in the industry seem to want to blame either the OS developers and the OS developers want to blame the users.
Both are wrong. The people to blame are the malware and virus writers and the people who support them either by selling them the tools or paying them to use those tools for attacks. (Think SPAM.)
We in the industry and our users seem to have decided that the only thing we can do is apply technology (AV) to stop the problem. We blame Microsoft for making buggy software and users for not patching their systems when I am starting to think we are not doing enough to actually stop people from making it or vigously tracking them down and stopping them.
Why should we force users to continually do things they don't want to do in order for them to send email (or whatever)
I know lots of people not running Windows that do not use anivirus apps. But most people use Windows and whay can we not let Windows users not worry about virii? We have tried making AV products and while they work people don't want to worry about them. And we have had numerous Windows versions that even though MS has tried to make them secure against virii well virus writers get to then pick it apart and they always will, if we let them. Yes MS puts out a lot of patches but they cost money and if MS didn't have to produce them it would probably be cheaper.
So what is the one thing we have not done? Stopped the virus writers from writing them. I am afraid that is a task that we habe not figured out yet but stay tuned.
For now, patch your systems, use the best AV you can get and use a second one in a while to be sure you are OK. Use spyware detectors, watch for phishing schemes. And keep your eyes on this space and others to keep up to date because for now there are still people out there who want to steal from you.