No argument, but if MSE Offline can't detect and remove a Zeus infection while TDSSKiller can, I'm not going to suggest MSE as a reliable product. Sure, no AV/AM software is perfect, but I think if you spend enough time with tests and real world experience, it's pretty clear there are some top shelf products, and the rest of the pack.
The real challenge for users today is that many of the old paradigms about "safe browsing habits" don't apply much. A lot of malware is delivered via compromised, legitimate sites, and by online ads. I recently checked the Eset Remote Administrator log for one of my credit unions, and found that every time an employee accessed our local paper's obituary section to check the lists of deaths against their membership records, NOD32 blocked malware, and it wasn't hard to trace the source to an ad on the Obituary Page.
So, while it's still good advice to avoid all the "free" online porn, games, coupons, movies, TV, etc. that isn't sufficient anymore, and the effectiveness of our AV/AM software is more important than ever.
Edited by slgrieb, 18 July 2013 - 11:34 PM.