50. When something bizarre happens, your girlfriend asks in a bewildered voice, "What are the odds?!". You respond by pulling out your calculator and working out the probability.
My dad is a Microsoft SBS MVP, and he just uses it standalone; it should cover everything you need (along with Defender in Vista/7). (He normally deploys Trend Micro at client sites, but you have to pay for it.)
If you're not on Windows 8, just use Microsoft Security Essentials. It's free and works well. If you're on 8, it's built in! \o/
Always remember to only have one antivirus running at a time. (MSE will disable itself on 8 if you install something else, IIRC, but other ones won't. Two AVs are NOT better than one.)
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I like the modularity; it makes life so much easier.