Too many cybercriminals are trying to worm their way into your system and steal from you. Even the most tech-savvy folks can be fooled. You don't even need to click anything to download malware anymore.
That's why you need powerful software to sniff out malicious files. I trust my sponsor, TotalAV. It's simple to install and use, and it's received the VB100 award for detecting more than 99% of malware samples for the last three years in a row. (Yeah, that's a big deal.)