I really don't know which is the more spam prone... I mentioned non webmail because most of the webmail providers have some sort of functionality to collect spam into separate folders (not that it works all that good with most, gmail being a relevant exception...).
As for POP it depends on who supplies it and the use you make of that address... If you keep it private and doesn't reside in some high profile server, you're probably ok. But in the long run, it will come to you -- the spam, that is
Another good free anti-spam tool is located at:
http://www.spamgourmet.com
Cheerio