Need it - No ... should one have it - Yes. In the present day and age, some people's only interest in the computer is hacking into your system and making your PC (or MAC or whatever) go bonkers. Having an anti-virus application running in the background constantly helps to prevent the intrustions.
There are many a/v software brands - can't say any one works better than the others, but some will find incompatibility issues with a particular PC and just plain won't work right. If you are using a PC There is a free security system for Windows. If you are using a mac- then you'll probably have to buy a security system if you want a good one.
Answer 2: Without an antivirus software your computer is at high risk to be infected during you chat with friends, download files from the Internet, open email attachments, launch various applications and games, visit websites, etc.
Virus infections can cause the system to freeze, applications to close unexpectedly, display unwanted popups, redirect home and search page, block the Internet, delete and modify system and user files and many more unwanted malicious behavior.