The on-demand scanning issue is a good one, but if something got past your defenses without triggering your antivirus the first time, it's likely to get past it again when you scan on-demand. This is why you'd want a second product just for on-demand scanning and not for real-time scanning.
So, if it gets past AntiVirus A's real-time, it would be more likely to be caught by on-demand scanning with AntiVirus B.
Yes, you can have 2 different anti-virus products installed on the same system without causing a clash, if only one if them is running in the background at all times doing real-time scanning. The 2nd one would have to have real-time deactivated, and just leave its updater running.
I am using MSE for real-time and Avira for on-demand, but I am open to the idea of switching to something other than Avira if anyone has anything better to suggest.
I am also using Spybot Search & Destroy for it's vaccination feature and the Tea Timer, as well as something quite old called DiamondCS RegProt (original developer's site is gone but
Softpedia has a copy)
There are also some essential browser plugins, depending on what browser you are using, but the most essential is some sort of NoScript, which is available for both
Firefox and
K-Meleon. Links to versions for other browsers will have to be supplied by someone else.
I love Ad Muncher and would never consider being on the internet without it, but it has some issues you should be aware of. The lack of gzip support that was mentioned before is one issue, the fact it turns
ALL HTTP1.1 requests made from your PC into 1.0 requests is the other. Even if you white list a particular site, application, or turn off ad blocking, it will still do this for as long as Ad Muncher is still running. If a server is misconfigured and does not respond to 1.0 requests properly, it has the potential to break pages and there is no work around other than exiting Ad Muncher completely. I have run into this problem a few times, most notably on Friendfeed, where the issue caused pages not to fully load and I wasn't able to use some basic features such as "like" and commenting. This went on for a few months after Facebook bought friendfeed and they moved it to their servers. Even though I contacted friendfeed and explained what the issue was and how their server was not responding to 1.0 requests properly, I ended up having to use AdBlock Plus till they got around to fixing it. Since AdBlock Plus only works in the browser it is installed in and offers no protection for things like stand-alone desktop RSS readers and IM clients, it left me uncovered in most applications capable of displaying ads.
WOT (Web Of Trust) - I love this browser plugin for its ability to alert me to sites with less than stellar reputations. It crowd sources ratings for things like trustworthyness, vendor reliability, privacy, and child safety to its userbase. The commenting system can give you more of an idea why a site might have a bad rating, such as fraud, phishing, malware, spam, adult content, unethical practices, etc. While it's not the only thing you should rely upon to evaluate a site (it can be wrong) it can give you an idea of the past experiences of others when dealing with the same site. (I personally mark any and all spammers that hit this forum with spam links as bad sites, with a note of why) The reputation rings next to search results in the major search engines (supports the major providers) and next to links in webmail (supports the major providers) can alert you to reputation before you visit the site. (yes, even Adsense ads in Gmail get reputation rings, and oh, boy, you probably won't ever want to click one of those ads, even out of curiosity, once you see how most of them rate!)