Don't forget, no anti virus will protect you from yourself.
Watch what you click on and only download from trusted sites
Not quite. You can't tell a site that's been hacked from any other. Worst virus I ever had came from a TV personality recipe site. 2 days of work to recover my PC back with full control.
Actuality, quite.
If you insist on going to a known hacker type site, the AV may ask you if you're sure you want to goto that site. If you tell it yes, then off you go to Hackervile.
Get a false update flash message from a bad site and you insist on downloading it there you go, malware.
Fall prey to social engineer sites to give up information, you Falk into the trap.
Your best (not only) protection is yourself and knowing where you're going.