RC, some days I receive as many as 5 viruses. However my first line of defense is my ISP (EV1.net) who catches about 99%. Norton catches the rest and I wouldn't be without a good firewall. I don't see how people survive long in this day and time on the web without protection.
A really good web site which debunks virus myths and gives a good description of the viruses that we see is
http://truthorfiction.org/
Ken