Regarding McAfee. It seems to be much less intrusive, than Norton, causing less problems with everyday computer operation, but it's level of protection appears to be really low.
As for not using AV, because you're experienced computer user, I'll give you an example from my own experience.
I consider myself pretty computer savvy, but surely enough, I'm not mistake free.
Some time ago, I was reinstalling Win 2K on my old computer, and....I made a grave mistake.
I was doing reinstall with the computer hooked up to the net.
By the time, I reinstalled Windows, and put firewall on, I had couple of trojans already dancing around my computer.
I found out quickly enough only because my AV warned me about it.
If I didn't have any AV installed, how soon would I know?
Surely, I'd probably notice at some point, that my computer behaves little bit strange, but by that time all kind of bad things could have happened to my machine.
That was the only time in my 20+ years of operating computers, when I got infected.