Even without a virus checker, as long as you dont open dodgy email attachements or download dodgey things from the internet then you should never get a Virus
...and as long as you keep your system updated with the latest security updates.
Today viruses manage to abuse the security issues in various programs. For example without security updates, just viewing the message in Outlook is enough to infect the system.
In a similar fashion, various MUI based email apps were vulnerable to APIPE attacks. Just viewing the message was often enough to trigger the payload. These bugs/holes have been fixed since, but if you use old vulnerable application you could (in theory) be in danger.
Personally I perfer multiple levels of protection:
- Firewall
- Antivirus
- Tight security settings
- Paranoid set of mind
If one or two should fail, then the remaining ones will catch the nastygram.