That’s how I run and I’ve yet to have a problem with a trojan.
Hey, if you don't care, neither do I.
The new trojans are nothing like the old days of Nachia and Welchia and Slammer.
The new trojans don't blow up your machine or spew out network traffic and take down your local LAN segment.
They sit there quietly, occasionally checking into the botnet master and execute instructions to send out some spam.
The millions of owners of bot-netted PCs probably think they don't have problems with trojans either.