relax there buddy, I never said smarter browsing will keep viruses and malware away. I am merely saying it helps. You are never completely safe regardless of what AV you use. I'm willing to continue doing what I do on my machines without worry though. It's worked for me all these years so far.
If you use Windows, in its default configuration, your computer is wide open for virtually anything, regardless of your browsing habits.
Yes, smart browsing is also needed, but as long as the delivery mechanisms are left open in Windows, there is nothing smart browsing will do to help prevent your computer from being infected.
If it works for you, great, but it is more luck and anything else if you allow Windows to be run in its default configuration.
I am only saying this to make sure anyone reading this does not assume using safe browsing habits, as the only line of defense, will protect your computer from bad things. It will not.