so i dont see any reason for me to use anything other then windows firewall at home
One good reason would be to protect your outbound traffic. 
+1
i am not convinsed that all home users need it?
and some antvirus vendors seems to also think like that?
Panda antivirus does not install the firewall.... you have to click the firewall after antivirus install, and then it ask if you want to use Panda firewall or windows
F-Secure firewall is installed in Normal mode as default.....meaning outbound protection is off