Howard, nice post, difficult one to answer really.
Since MSE is often recommended by the moderators and experienced geeks here, I would be very interested to hear anyone's thoughts, reactions and opinions. I don't mean to start another "Which is the best anti-virus" thread - but more specifically - how does one explain the poor test scores for MSE ?
I use and recommend exactly your above security setup.
It has always been very difficult to recommend one catchall suite, because one just does not exist.
The benchmarks are difficult to extrapolate from the site.
I am not only a home user of the above but all new setups I do include the above without issues (well they have not come back with issues....yet!)
Once MSE is setup correctly scanning on a daily basis should be resource minimal (which is good). Alot of A/vs just slow the system down tremendously. MSE is live.
Given that I am not a 'normal home user'given the download testing on my lappy, I have had MSE, and SAS report immediately if there is a known problem and the 'clean' window popup is displayed.
I am using the Pro version of SAS which cost, on a deal $9.99 ( about £6 UK )
Taking the above into account and the report thus linked to, I am staying with what I have.
That is not to say that I disagree, I'm happy with what is running and have no problems on my 3 machines.