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Grant,
We bought 3 of the Toshi's for work, they fly with XP compared to Vista.
FWIW I'd make a Vista recovery disk set from the icon on the desktop, just in case, sometime in the future, you need Vista reloaded.
If you have data you want to keep, make sure you back up, as I seem to recall that the downgrade erases the HDD.
One of our Toshi's didn't come with Business, I was unable to install from a normal XP pro disk (I didn't try all that hard though, as I discovered that the downgrade that came with business also installed no problems with the Vista Premium optioned Toshibas).
As for the AV suite, I wouldn't lose too much sleep, you can download AVAST and it's free for home use, got very good reviews (came out on top actually) in a recent magazine shootout and treads very lightly on resources.
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