Do you think spending as much as $500 for a retail software for an example will fully cover everything?
I would never dream of spending anywhere near the figure of $500 - what products are you thinking of that cost THAT much!? Most decent security programs only cost something like $25-$40 unless of course you wish to go down the route of Symantec or McAfee...
The common complaints seen on Norton and McAfee are numerous from those who have used them! PC-cillin far outdoes both Norton and McAfee and is far less demanding for a retail product.
I'd just like to clarify that I'm not defending Norton or McAfee in this situation. Yes, they may have SLIGHTLY better protection than free programs, but the heavy use of system resource is a real killer, and overall they do not offer value-for-money. However, many other pay-for programs do (which offer better protection AND are much cheaper).
My main issue here is when discussing "Mr Average Joe". You and I are likely to be a hell of a lot more knowledgable in the area of computer security than most, therefore we know good internet browsing practice and are able to easily distinguish between something that's genuine or a scam. You only have to take a quick browse of help forums to see people innundated with AntiVermins infections. A couple of months ago it was Virus Burst - before that Spyware Quake, etc, etc. Let's be honest - the public at large are gullible to these frauds.
The amount of computers I had to remove Spyware Quake and Virus Burst from becane infuriating - and guess what? They all had free software such as AVG, Avast, Lavasoft and Spybot. I've sinced moved these people onto decent pay-for programs (at a cost of circa $30) and I've not had a problem from them since, whereas I'm still running around removing Antivermins 3-4 times a week from people running (in my opinion of course) crappy free softwares.
This says it all to me. It's a real world situation from which I have seen a HUGE reduction in my workload, and don't think that is purely by chance.