I'm currently liking Avira Antivir very much. However. It does come with something called 'Heuristic' scanning techniques, so that it can pick up viruses that aren't yet on it's database. This is enabled by default. I've seen it pick up quite a few false positives.
If you could turn that feature on, and leave the real-time 'Guard' enabled, I reckon you'd have quite a nice app to your specifications there, for free.
This is the best answer. There is no risk free. No where. NOD32 is one of hte best protecting someone when a new Virus is set out there. I have been protected quite a few times. Avast is also great at catching them before they get definations.
But the real answer is dont use the net. That is the only way to be accurate, reliable and risk free. If that isnt what you want to hear sorry. But other than that you will have to take risks.
thank you all
when i said risk free, i should have said that the actual program doesnt install any of it's own garbage
should have specified sorry
so the nod program?