Defenitely it is true that you can get tons of viruses even if you have anti virus protection. I definately never said otherwise.
However, I will disagree with you that 100% of viruses are the users fault. This might just be our seperate opinions, but I would agree with you if the ONLY WAY to get a virus was to "mess up" and do somehting stupid. But that is just not true. I mean, gosh - go buy a sony DVD or game and if you install it to play it then you get the sony brand root kit. Perhaps you could argue that it was stupid to buy a sony products,... i might have to give that one to you too
however, if you dont connect to unsafe networks, dont open unsafe files folder or programs, and also dont protect every port then here is a list of things you can also - not do:
pirate music
buy music legally
pirate porn
download porn legally
read webcomics
watch youtube
use google
visit this website
read digg
read slashdot
go to bash.org
visit any website
play DOD
play TF2
play any games online
share homework between computers
store music, movies, or files on cd / usbkey / external hd
---> (because you can then never re plug it back into the computer again)
send or recieve email
update your antivirus defenitions
update windows
connect to wireless router
connect to the internet
install any programs whatsoever (who can you really trust?)