Do you not get my point, saying "oh its OK here mate" does nothing for the estimated millions of botnet infected PCs. This isn't a dick waving contest, your not uber 1337 for turning off UAC.
Myself, on some of my PCs they have no anti-virus (really can cause quirks with some of the coding i'm doing atm) and one even runs without UAC (virtualization can confuse the crap out of locally running n-teir app debugging.)
I would NEVER advocate the advise to others, on my primary laptop which does little dev work, UAC and antivirus, media pc, uac + antivirus, ultra portable just UAC because its too week to handle AV comfortably, and i run as a very restricted user all the time.
UAC dosen't really slow down the system in a remotely noticeable fashion. If your bringing up a UAC prompt every 30 seconds, you have to ask WHY? Odds are, your doing it wrong.
AV apps at the time stopped blaster dead. Virtually all of them, at the time Sophos was my one of choice.
The thing is you say your PC is clean. Give me 30 minuites alone with it, and you will still think its clean, this isn't because i'm an amazing security researcher, i just read this book:
http://www.amazon.co.uk/Rootkits-Sub.../dp/0321294319
This is very true, people must be vidglent no matter what protection they have. However if you have things like ASLR,DEP,UAC and a virus scanner, you can stop 99.999% meaning if you let your gaurd down you have a very good chance.