[Will]

Anti-virus software is a good idea if you're doing anything on the Internet anyway. If there's a possibility of data being transmitted to your computer, there's a possibility of a virus being sent.

As for music download services, one of my friends created a position for himself at the University (wrote up a job description, came to the Dean of Information Services, and he had a job), and part of his job is looking into possibly working out a deal with one of these services for the students on campus. Thus far, he has tried out MusicMatch, PressPlay, Napster (the re-incarnated pay service), and iTunes, and a few others. iTunes is the only one he really likes so far, because your music doesn't disappear if you forget to renew your subscription; once you download a song and pay for it, it's yours, period. Although I think he has issues with selection on all of the services...