Hi TheFist and welcome to rM!
In all the test done Panda and MSE always manage to score 97-99% ....a almost perfect score...
I've tested almost all the antiviruses out there ...and let me tell you that no antivirus can protect you 100%... you can also check http://www.av-comparatives.org/
So even if Panda has 99% and MSE 98% thoose 1% missed by Panda or MSE will manage to infect a lot of PCs.Because 1% in the real world could mean tens of thousands malware samples.
Panda and MSE (like all the other antiviruses) need a second line of defence.....You can't just use MSE or Panda and say that you are safe....That's the ugly truth.
Because you are a new member ,you can start a topic in "How is my config" viewforum.php?f=58
and the other members will help you build a solid security config.