waynnet said:
I'd rather just turn the AV off to see the ads then click it back on as opposed to adjusting the ad blocker (it's quicker).
There are worms and virii that can search out unblocked ports [open because no hard or soft firewall is active], download themselves to your system, and install themselves all without any proactive participation on your part.
Tests have been conducted on active, clean, systems with no firewall or AV protection and the average from going online to the point where the system was found in a scan and infected was 29 seconds.
I recommend hardware firewall/router with software AV and firewall on each of the systems attached to the router.