Yes NTDOC, you misunderstood me. I actually agree with you. I have been thinking for some time, that I don't seem to get any virus infections. They always seem to be malware. But I have never got around to researching the issue. One consideration is that because computers don't run malware protection programs, its understandable that you only notice the malware infection because the anti virus program informs the end user that there is something trying to infect the network and asks the end user if they want to delete the file.
But Glenn your point is also very valid. If computers were setup securely so that nobody is a local administrator etc, the likelihood of getting infected is pretty much nil as they usually require some kind of admin privilege to infect the machine.
I will still research the issue of malware protection versus anti virus protection. Avira does do basic malware protection as indeed most anti virus scanners do.

I will have a look at combofix.
Thanks Rob