I have never run full anti-virus on my Windows XP systems. Instead I use various anti-malware tools to manually perform scans every few weeks. This approach, combined with Windows updates and general care about what web-sites I visit and what files I download has kept me 99% free of problems.

The remaining 1% has occurred when I download files that I know may contain malware, but still decide the risk is worth it. When on 2 occasions in 10 years I did get caught doing this, I realised that being able to easily scan them would most likely have avoided getting infected.

I don't need, or want, to run a "stay resident" anti-virus. Also, the online scanners such as Kaspersky etc limit uploads to small files, so these are not always useful.

In summary I would like to simply be able to download a file and then manually initiate an on demand anti-virus scan, on the downloaded file only.

I'm sure some/most Anti-Virus do both, however once again I don't really want to pay for or need the stay resident part.

Any recommendations (commercial or free)?

UPDATE:

This is not an exact duplicate, nor a possible duplicate. I searched for and read other questions on anti-virus here at SuperUser and found none that answered my question.

I am specifically asking about anti-virus scanners that run ON-DEMAND locally on the computer, not online scanners.