Detailed knowledge of the computer system is not required for the average end-user to perform one's job. Such a user should not be required to obtain detailed knowledge just to use anti-virus tools. This implies that scanners are probably most appropriate for the average end-users. Any other choice will require support from a technical support team or computer security incident response team. Of the remaining tools, the best option is a checksum program. By executing the checksum program regularly, for example weekly or monthly, infections will be detected within a limited timeframe.
Another possibility is to relieve these users of the responsibility of detecting viruses entirely. If a technical support team is already providing other regular services (e.g., backup), the support team can use any combination of anti-virus tools deemed necessary.