Dude I think seem to have lost you completely.
Mail Server ISNT or IS required depends on the requirement.Anyone could either outsource it or setup a email server in their own premises.It will depend on what they feel is right & want to do.
I dont know which example you are stating w.r.t cause I'm talking about a GENERAL scenario.
As far as opening attachements or user intervention is concerned for example a LAN of 30 hosts per say with a MS Exchange deployed do you expect all users in the LAN to not open that attachement which says "yada yada" ?
Everyone dont think on the same terms as we do maybe..
There is always that everyday joe who thinks the other way around going ..click click ...BOOM !
Forget about the example I gave above,if what you seem to say is correct then why will these solutions exists in the market?
MS Exchange AV Partners
Email Server AV Solutions
As far as overdoing is concerned is concerned I've already written a post before you stating the same.
So I dont know where you got the idea that I was promoting 2/4/.. AV solutions lol
P.S:The entire above post & the earlier posts have been written with a GENERAL SCENARIO in mind.