Actually, his solution would solve the problem.
Mail admins where I worked always tried to train users to save attachments to disk before opening them. This gives the AV software a chance to scan the file before it is opened. As an Outlook shop, it also solves the problem of maroons opening the attached document, editing the crap out of it, saving it, but not as a new file, and then losing all of their changes when they DIDN'T save the email from which they edited the document.
As for your Black Hat alternative, that wouldn't hit me either. I don't open dodgy emails for XXX pics either. So you need a REAL drive-by exploit to nail me. On Windows there are plenty of them out there and I've been nailed by some. Worst one was from an MSN banner ad because I forgot to change the default page to Google before starting IE6 to run MS updates to patch the newly built XP SP3 system. On the upside, since it was brand-spanking new, there was no data loss and the decision to delete partitions and start fresh was easy.