I'm anything but a Microsoft lover, but I have to defend them.
About a million years ago, back during the DOS era, a friend and I wrote an anti-virus suite (the ARF Antivirus, maybe you can still find it online, though I don't recommend that you use it!). It was quite effective; we used the file integrity approach, and stored the integrity information in the files themselves. (We were up front about it; some people don't like that, so we said, hey, you don't like it, just don't use our stuff. No hard feelings.)
Ergo, I think I can at least offer an opinion that's slightly above drooling moron status.
One of my biggest complaints about AV tests is that they're unrealistic. This has been years ago, now, so maybe it has changed, but back then, the folks who did the testing were arrogant and very hard to deal with. Your software had to produce a .TXT log file; it had to do this, it had to do that, or they would just fail it outright.
Once you made them happy, then they tested it against every virus they could find, including some that WERE NOT (and never would be) in the wild.
Bottom line, and to make a long story short: the people who were writing AV software back then were writing it for these tests, and not for the real world. I don't know if that's the case nowadays; I just don't know. (For that matter, maybe Microsoft's stuff really does suck. Given how badly their stuff worked back in the DOS era, it wouldn't surprise me. But I just don't know.)
But fair is fair. I ran from that circus after about a year of endless arguments with the pompous egotists in Compuserve's Anti Virus forum. I don't know if it's still that way, but I haven't used anyone else's anti virus stuff in years (I protect my stuff a different way, primarily by using secured Linux with good backups, and with periodic integrity checks).