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I don't remember of having any issue with virus since a DOS 11 disks game a friend gave me like.. 25 years ago (the so called virus was even able to change it's filename, that was super cool at that time I loved it).
Using trusted sources, being smart with what you use + set up proper backups <--
Then, just pray not to get any new kind of worm - there also is a bit of chance here sometimes.
There will always be someone looking for new vulnerabilities, that would pass your AV + Firewall solutions. And since you can't spend all your time to search yourself for the same (not even talking about the skills required - i certainly don't have them), somehow you just have to continue your usual life, and most probably everything will be ok for years without anything wrong happening.
I still use ESET smart security. Don't know if it's really worth it, but as Kerlingen pointed out, you need at least to be able to block outgoing traffic (for malwares, and of course you want to control app that are calling home while reversing) plus I guess having a basic AV which is not using to much resources is still something to do ; but as I said, I rely *way* more on my backups than on anything else...
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