You're question isn't exactly easy to answer. I've been doing network consulting for over 10 years and have used Panda, Symantec (which used to be called Norton - they are the same company), AVG, and McAfee. Any are fine, really, so-long-as you keep the database current and update the engine whenever you can - updated virus definitions alone aren't always good enough.
That said, the best solution is smart internet browsing and computer use. With a little education, and caution, you can keep your PC safe. There are thousands of good articles on smart/safe internet practice which you can google.
Regarding MS security, it depends on your OS. For Windows 7, it's pretty good for home use. If you were a business client, I would strongly suggest an enterprise solution. Mind you, I don't get any money for selling AV solutions, but I do get money for cleaning a PC, Server, or network from malicious attacks.