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Viruses and trojans aren't the same thing, and you can't expect one piece of software to guard against everything. For example, no AV program will protect you against downloading the Google spybar, or running the AOL CD. Running actiive-x routines is the same as running an installer program from your CD, so take care and check before you run any active-x (Flash relies on active-x btw).
Malware is now so diverse that you need to research the specific problem and find the best method for removal. Again, no one product will do everything, and you need to be sure that the removal tool you are running won't install its own spyware and modify your settings. Microsoft is constantly adding new backdoors and adding "vulnerabilities" for it's own purposes - you need to check on these as well if you want to stay secure. Similary the big net corps have auto-updating spyware so that they can vary and increase their advertising revenue at your expense.
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