The Cellar - Recommendations for anti-virus software?

Okay, okay, suggestion one: Replace Windows with Linux. Tempting, but not right now. With that out of the way...

I consider myself to be a competent Internet junkie when it comes to viruses. My email goes through a procmail-enabled Unix shell account, and my Windows email (on the rare occasions that I use it) is through Pegasus Mail, not Outlook. I don't click attachments, I don't download warez, I don't run weird things blindly without checking them out, and I've gone six or seven years now in PC environments without a virus popping up.

That having been said, my new PC needs some virus protection on it. It's running Win98, and my wife will be using it fairly often once I sit her down and show her more of how to reach the Internet. While she's no dummy, she's new to this, and thus I won't give her the same benefit of the doubt (i.e. knowing what's safe to play with and what isn't) that I give myself. She'll be using Pegasus Mail, but even that isn't attachment-proof, and it only takes one slip-up to make life ugly. There will be times that I'll want to scan things myself, as well, just to be sure.

(Besides, a friend of mine got nipped by the Romeo & Juliet virus, which didn't require attachment-clicking to activate. Just opening the mail message itself was enough.)

So anyway: I've heard some nasty rumors about McAfee 5.x being unstable and buggy, but also heard many who've sworn off Norton for good for similar reasons. I played around with F-PROT years ago and can't say I was impressed with it then. Any suggestions as to what's a quality product out there?

jeff. who enjoys the fact that by rolling my own PC, I can CHOOSE a package rather than having one preinstalled that I may not want...