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Antivirus recomendations
(programming.dev)
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I basically agree with all the points you are making. Only scan downloads, email attachments and whatnot. Don't try to play cat and mouse with sophisticated malware because that's a waste of resources. I don't think software like this exists?
Perhaps SELinux on desktop is the way to go as other posts are suggesting, although I heard that it has some usability problems and can break some programs.