but if we have a good av does it hurt to have a firewall? after all I am not worried about those high level threats, I am pretty sure they can bypass 99% of the people here, but run of the mill threats that a decent firewall will stop.
semp
It won't hurt, but the $$$ you invest in adding that personal firewall should be focussed on the best AV, or even a really good hardware firewall. The practical advantages of personal firewall software have really been mitigated by decent AV over the years.