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Just keep your virus definitions up to date, try to be reasonably confident that the file you are downloading is what it says it is, and keep in mind that some executable files (.exe .scr .com etc.) can all contain viruses and can execute without you clicking on them.
I have about 1 week untill i can get my new computer working and will install onto a 120 gig harddrive, untill then i am stuck with my 6 gig and i am too lazy to protect it properly, i have no virus protection, no adaware, no firewall, and i use kazaa, i am confident that it has viruses on it, although it has been a while since i scanned.
My point is virus protection helps, not all viruses are destructive, and the best advice i can give you is to backup.
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