The answer is simply, No, you do not have to pay these days to get a good level of protection. Having said that, many of the paid complete suites are excellent. Norton, Avast!, and Kaspersky are probably the best. I would stay away from McAfee, AVG, and Trend Micro myself. If you want a complete package of protection for free, you have to piece it together from a couple of vendors unless you decide to go with Comodo, which offers a complete solution free. It provides excellent protection but at a price in ease of use of your computer. It monitors every action by every program and alerts you to them unless the application is whitelisted. Their whitelist is getting better and the latest v5.0 is the best so far in regards to usability. As far as just AV programs go, Avast! is the only one I know of that offers the same features in it's free version as in the paid one. The only thing the paid AV gives is an on demand sandbox. Other vendors such as Avira and AVG do not give all their AV scanning features in the free versions so you are getting what the Symantec person says is "free basic protection" and paid AV's are better than those offerings. MSE is not bad and only comes in a free version but If you want the best AV protection you can get without paying a cent, I would recommend Avast!.