It all depend of your computer knowledge and how you act on it.
First of all, surfing the web without any protection whatsoever is dead crazy.
If you don't want to use an antivirus program though, there is many other choices. My own choice is to prevent virus to be able to enter my computer before I even have to deal with them. This mean blocking Java, JavaScript, Flash and using ad blockers so I don't see the adds and banners on every site I visit.
Those adds and banners are from where the viruses and malware come from the most. I'd estimate about 95% of them all come from there.
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