From the sounds of it, you do.
Lots of people don't. I never use virus/malware protection. I used my current PC laptop for 3 yrs, finally installed AVG, ran a scan, nothing. For me, it's common sense and being wary of certain stuff on the internet that protects me.
On the other hand, lots of people don't have as keen of a sense as others as far as internet/computer safety is concerned. I think that anyone who needs to ask whether or not they need it does in fact need it. I'd err on the side of caution if I were you.