You’re absolutely right. Viruses are overhyped. They are a concern, but there’s no need to panic.
You should use anti-virus software. I’d recommend InnocuateIT from http://antivirus.cai.com – it’s good and it’s free. Of course, no virus software can catch a brand new virus (a major flaw that should be easy to correct, but isn’t), so you need to keep updating.
There are four general categories of viruses. Executable viruses (which attach themselves to program files) and boot sector viruses (which run whenever you start your computer) are pretty much obsolete; if you get one, it’s from a very old floppy disk.
Most recent viruses have been macro viruses, hidden in Microsoft Word files. Microsoft thinks “security” is what you do after someone wrecks your system, so it’s fairly easy for virus writers to create things for work. Luckily, most macro viruses are merely a nuisance and do little more than replicate themselves.
The current wave of viruses are various trojans. Unlike a virus, which infects you by iteself, trojans require you to click and run a program. Once run, though, the current crop (usually e-mail attachments) send themselves to everyone in your Outlook Express Address book and play tricks (including deleting files) with your hard drive.
So what do you do, especially since you can’t trust your virus software? Follow one iron-clad rule: Never click on an unexpected attachment. If a friend sends you an attached file that you don’t expect, first e-mail back and ask what it is. Be especially wary of one with a generic message (“Though you might like this.”). You’re also less likely to spread the virus if you use a mail client other than Outlook Express.
You can only be infected if you click on executable files. Most obvious of these are programs (.exe), though Word files (.doc) can have a macro virus in them. You cannot be infected by clicking on a .txt, .gif, .rtf, .jpg, .avi, .mov, or .MP3 (though it is possible to have a hidden extension after the .txt, so it isn’t actually a .txt file – make sure the icon of the file matches the icon for Wordpad). Never click on a .vbs file; there’s no reason for 99% of users to create such a thing.
File downloads from the Internet are nearly always safe, especially if they’re from a legitimate source like http://www.shareware.com. They guard against trojan horses (though you may not want to download a file the same day it’s uploaded, just to be sure), and the executable file viruses, being obsolete, shouldn’t be a concern.
Finally, if you get a message about a “new and very dangerous” virus, imploring you to spread the word by e-mailing all your friends, that’s probably a hoax. Visit http://www.vmyths.com for information.