JNinOz, I would continue to use security software. I personally have Windows 8.1 installed on my laptop and use the free version of Avast.  Avast also has paid upgrades with added security, but so far I have not had any attacks with the free version. There are also other free anti-virus programs available as well. I do not know if one software is better than the rest. Try some out to make your own decision.
G'day gentlefolk, i am curious, with the much trumpetted improved securtiy of Windows 8.1, is 3rd party software still necessary ?? i am currently paying for AVG and Malwarebytes, but in the absence of an income would very much like to save teh fees. Any thoughts or comments much appreciated ??   
windows 8.1 security query ?