Microsoft Security Essentials, plus Ghostery and a custom hosts file to help keep Opera even cleaner than normal (Ghostery is available for more than Opera - I suggest people check it out). A good web browser and good browser security settings can go a long way towards a clean computer. MSE basically replaces AV + Windows Defender (and I like Defender better than Spybot because it also includes a process explorer and less invasive real-time protection).
I know there's a quarterly testing of anti-virus software put together by a third-party network security firm, but I always forget where to find it when I want it. The last few times I checked this (in 2011-2012), MSE was near the top of the heap (free or paid), along with Kapersky and the commercial version of Norton iirc. AVG has too many false positives if you're a gamer (it doesn't like Steam, SecuRom, StarForce, etc), and had a relatively low real-time protection score (the real-time protection is AVG's weak point).
Aside from MSE, the other thing I'd suggest to people is seeing if their ISP offers free anti-virus with the web service; I know some do (usually McAffee or Norton). The idea being to help remove general crap from their networks and reduce bandwidth usage by preventing botnets methinks. But you get a benefit from it too.