The problem with real time antivirus is that, in order to prevent performance bottlenecks, it will often delay scanning a file until a time when the computer is idle.
This means that it's entirely possible that the file might get scanned after it is executed by the user - which means the virus might be already running and the system already infected!
It's much better that a virus be detected before the code in it has a chance to run, so it can be wiped immediately before it has a chance to infect the system.
So yes, I'd much rather it do a deliberate scan on the spot when the file is downloaded rather than depending on real time protection.
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