In my view you can't beat the Avira/Comodo combo. Are they really too complex for the people you mention? I'm probably a similar level to them but now find both Avira and CIS straightforward and, as you rightly say, it's these less able users who would really benefit from better security because they are less likely to recognize malware warning signs.
You say the computer illiterate shouldn't be messing around with advanced A/V or firewall options, but once Avira and Comodo are set up which, presumably, you will do, I don't see what options they would need to get involved with. Certainly not Avira -just set it to update daily and scan weekly. With Comodo they will get the odd popup asking whether to allow, block or sandbox but these are few and far between - just tell them, if in doubt, to block.
If you really think there is no hope of them understanding Avira and Comodo, I suppose MSE and Windows firewall with PC Tools Threatfire real-time protection (no conflict problems) as an extra tier of defence would provide reasonable security, but not a patch on Avira and Comodo. Installing the Web Of Trust (WOT) traffic light website warning system would also be beneficial.
But my best advice would be to persevere with Avira and Comodo.
Edited by n01paranoid, 12 June 2011 - 05:52 AM.