As an aside re: scans,
You (should) have an on-demand scanner running all the time. Assuming you start from a clean slate, what is the point in running a scheduled full system scan every day? If you've picked up an infection then the on-demand scanner will catch it, if it doesn't then neither will a sweep of the system.
The only advantage to running a full scan is to pick up infections that got onto your system before you downloaded the virus definitions that can recognise it. Assuming you update regularly, that's basically zero-day infections, of which the chances of affecting you as a home user behind a hardware firewall are slim to none.
Install your AV, set it to update regularly, do a full system scan and then switch off the scheduled scans. If you're feeling particularly paranoid, you can run manual scans periodically when you've nothing better to do. Far better than having the PC thrash its brains out every time you power it on, analysing tens of thousands of files that haven't changed since the last time you booted up.
Arguably, you can dial down the on-demand scanner too. If you've scanned a file and it's not changed, why scan it again every time you read it? You can usually set up on-demand scanners to scan on write but not read. There are implications to this (in particular, you need to be careful when you introduce removable media, and it's not as belt-and-braces as scanning on read), but depending on what AV you're using it can give a massive performance boost.
But now, we're back to risk assessment again.