Well I feel the disabling of created/modified (more the modified) could leave you vulnerable to the likes of Vitus and Vitro, file infectors if the source file isn't detected, it could run through the system like wild fire.
I would say leave the Scan created/modified files option enabled, set to Only selected files, default extension set.
Though for someone of your experience avoidance would be some help, backed up with a good recovery strategy (drive imaging software) so go a long way to protecting your system or giving you a way out.